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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,448 | $85,766-69.2% | $136,297-80.6% | $70,124-62.3% |
| Participation rate | 63.3% | 74.2%-10.8pp | 81.9%-18.6pp | 69.5%-6.2pp |
| Annual return | 24.79% | 31.45%-6.7pp | 5156.19%-5131.4pp | 73.14%-48.4pp |
| Employer contribution / active EE | $1,837 | $2,966-38.1% | $4,696-60.9% | $2,342-21.6% |
| Participant deferral / active EE | $4,524 | $5,051-10.4% | $6,247-27.6% | $3,332+35.8% |
| Admin fee / account holder | $547 | $5,420-89.9% | $9,244-94.1% | $4,645-88.2% |