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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 | $27,681 | $55,423-50.1% | $155,602-82.2% | $74,400-62.8% |
| Participation rate | 47.1% | 61.9%-14.8pp | 78.2%-31.1pp | 67.2%-20.2pp |
| Annual return | 46.87% | 269.07%-222.2pp | 64.81%-17.9pp | 1367.51%-1320.6pp |
| Employer contribution / active EE | $1,075 | $2,266-52.5% | $4,675-77.0% | $2,624-59.0% |
| Participant deferral / active EE | $3,639 | $2,835+28.4% | $5,629-35.4% | $4,348-16.3% |
| Admin fee / account holder | $794 | $1,744-54.5% | $15,923-95.0% | $1,944-59.2% |