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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 | $22,313 | $29,733-25.0% | $56,025-60.2% | $80,959-72.4% |
| Participation rate | 56.4% | 41.7%+14.6pp | 52.5%+3.9pp | 67.7%-11.3pp |
| Annual return | 13.20% | 35.28%-22.1pp | 1712.69%-1699.5pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,466 | $672+118.2% | $1,042+40.7% | $2,757-46.8% |
| Participant deferral / active EE | $2,537 | $1,229+106.4% | $1,955+29.8% | $4,300-41.0% |
| Admin fee / account holder | $6,297 | $2,434+158.8% | $2,828+122.6% | $6,925-9.1% |