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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 | $17,873 | $60,454-70.4% | $81,844-78.2% | $74,459-76.0% |
| Participation rate | 49.3% | 63.0%-13.6pp | 72.4%-23.1pp | 67.2%-17.9pp |
| Annual return | 57.38% | 16.87%+40.5pp | 778.87%-721.5pp | 1369.70%-1312.3pp |
| Employer contribution / active EE | $471 | $2,630-82.1% | $2,916-83.8% | $2,626-82.0% |
| Participant deferral / active EE | $1,132 | $3,398-66.7% | $4,323-73.8% | $4,350-74.0% |
| Admin fee / account holder | $733 | $1,490-50.8% | $7,355-90.0% | $1,945-62.3% |