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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 | $18,352 | $60,504-69.7% | $81,882-77.6% | $74,478-75.4% |
| Participation rate | 31.4% | 62.9%-31.5pp | 72.4%-41.0pp | 67.2%-35.8pp |
| Annual return | 20.66% | 16.91%+3.7pp | 779.47%-758.8pp | 1370.56%-1349.9pp |
| Employer contribution / active EE | $532 | $2,627-79.8% | $2,916-81.8% | $2,626-79.8% |
| Participant deferral / active EE | $1,251 | $3,400-63.2% | $4,323-71.1% | $4,350-71.2% |
| Admin fee / account holder | $1,528 | $1,492+2.4% | $7,360-79.2% | $1,946-21.5% |