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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 | $25,751 | $45,900-43.9% | $94,057-72.6% | $64,340-60.0% |
| Participation rate | 33.3% | 50.6%-17.2pp | 73.3%-40.0pp | 55.2%-21.9pp |
| Annual return | 20.01% | 50.47%-30.5pp | 480.62%-460.6pp | 24.14%-4.1pp |
| Employer contribution / active EE | $583 | $1,612-63.8% | $2,933-80.1% | $1,862-68.7% |
| Participant deferral / active EE | $1,363 | $2,102-35.1% | $4,709-71.0% | $2,980-54.3% |
| Admin fee / account holder | $1,515 | $3,143-51.8% | $7,244-79.1% | $3,703-59.1% |