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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 | $21,487 | $27,936-23.1% | $58,561-63.3% | $75,173-71.4% |
| Participation rate | 45.9% | 38.8%+7.1pp | 50.9%-5.0pp | 67.2%-21.3pp |
| Annual return | 18.35% | 44.21%-25.9pp | 4251.33%-4233.0pp | 160.72%-142.4pp |
| Employer contribution / active EE | $1,121 | $670+67.4% | $1,053+6.4% | $2,671-58.0% |
| Participant deferral / active EE | $2,059 | $1,202+71.3% | $1,923+7.0% | $4,126-50.1% |
| Admin fee / account holder | $2,298 | $1,727+33.1% | $2,520-8.8% | $5,651-59.3% |