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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 | $28,944 | $27,943+3.6% | $58,507-50.5% | $75,177-61.5% |
| Participation rate | 18.2% | 38.8%-20.7pp | 50.9%-32.7pp | 67.2%-49.0pp |
| Annual return | 20.98% | 44.22%-23.2pp | 4252.32%-4231.3pp | 160.75%-139.8pp |
| Employer contribution / active EE | $938 | $670+40.1% | $1,053-10.9% | $2,671-64.9% |
| Participant deferral / active EE | $1,136 | $1,202-5.5% | $1,922-40.9% | $4,126-72.5% |
| Admin fee / account holder | $4,617 | $1,727+167.3% | $2,486+85.7% | $5,651-18.3% |