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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 | $21,777 | $111,878-80.5% | $93,727-76.8% | $145,897-85.1% |
| Participation rate | 63.2% | 74.2%-11.1pp | 68.7%-5.6pp | 80.3%-17.1pp |
| Annual return | 19.53% | 204.28%-184.7pp | 133.83%-114.3pp | 552.29%-532.8pp |
| Employer contribution / active EE | $1,291 | $3,092-58.3% | $2,421-46.7% | $4,663-72.3% |
| Participant deferral / active EE | $2,347 | $4,920-52.3% | $4,417-46.9% | $6,689-64.9% |
| Admin fee / account holder | $2,129 | $10,256-79.2% | $8,292-74.3% | $13,390-84.1% |