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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 | $58,886 | $47,479+24.0% | $62,929-6.4% | $82,448-28.6% |
| Participation rate | 28.9% | 66.9%-37.9pp | 73.1%-44.2pp | 68.1%-39.1pp |
| Annual return | 14.86% | 20.34%-5.5pp | 1063.93%-1049.1pp | 41.64%-26.8pp |
| Employer contribution / active EE | $862 | $1,885-54.3% | $2,505-65.6% | $2,551-66.2% |
| Participant deferral / active EE | $1,565 | $2,870-45.5% | $3,888-59.7% | $4,139-62.2% |
| Admin fee / account holder | $11,738 | $3,804+208.6% | $5,065+131.8% | $7,234+62.2% |