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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 | $23,919 | $106,894-77.6% | $84,016-71.5% | $152,870-84.4% |
| Participation rate | 46.7% | 75.2%-28.6pp | 69.0%-22.3pp | 82.4%-35.8pp |
| Annual return | 27.43% | 104.99%-77.6pp | 71.31%-43.9pp | 345.34%-317.9pp |
| Employer contribution / active EE | $1,342 | $2,734-50.9% | $1,983-32.3% | $4,763-71.8% |
| Participant deferral / active EE | $3,648 | $4,011-9.0% | $3,239+12.7% | $5,850-37.6% |
| Admin fee / account holder | $1,294 | $8,286-84.4% | $6,101-78.8% | $11,597-88.8% |