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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 | $27,746 | $27,936-0.7% | $58,561-52.6% | $75,173-63.1% |
| Participation rate | 50.0% | 38.8%+11.2pp | 50.9%-0.9pp | 67.2%-17.2pp |
| Annual return | 23.42% | 44.21%-20.8pp | 4251.33%-4227.9pp | 160.72%-137.3pp |
| Employer contribution / active EE | $1,594 | $670+138.1% | $1,053+51.3% | $2,671-40.3% |
| Participant deferral / active EE | $2,048 | $1,202+70.4% | $1,923+6.5% | $4,126-50.4% |
| Admin fee / account holder | $1,322 | $1,727-23.4% | $2,520-47.6% | $5,651-76.6% |