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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 | $15,882 | $61,125-74.0% | $94,057-83.1% | $87,485-81.8% |
| Participation rate | 61.5% | 64.1%-2.5pp | 73.3%-11.8pp | 68.9%-7.4pp |
| Annual return | 20.77% | 35.20%-14.4pp | 480.62%-459.9pp | 26.06%-5.3pp |
| Employer contribution / active EE | $1,155 | $2,136-45.9% | $2,933-60.6% | $2,596-55.5% |
| Participant deferral / active EE | $2,080 | $3,260-36.2% | $4,709-55.8% | $4,274-51.3% |
| Admin fee / account holder | $1,000 | $5,629-82.2% | $7,244-86.2% | $7,775-87.1% |