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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 | $21,215 | $58,311-63.6% | $81,882-74.1% | $80,959-73.8% |
| Participation rate | 44.9% | 63.5%-18.6pp | 72.4%-27.5pp | 67.7%-22.7pp |
| Annual return | 37.34% | 41.85%-4.5pp | 779.47%-742.1pp | 35.67%+1.7pp |
| Employer contribution / active EE | $664 | $2,347-71.7% | $2,916-77.2% | $2,757-75.9% |
| Participant deferral / active EE | $1,613 | $3,287-50.9% | $4,323-62.7% | $4,300-62.5% |
| Admin fee / account holder | $494 | $4,752-89.6% | $7,360-93.3% | $6,925-92.9% |