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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 | $32,095 | $27,936+14.9% | $58,561-45.2% | $75,173-57.3% |
| Participation rate | 10.7% | 38.8%-28.1pp | 50.9%-40.2pp | 67.2%-56.5pp |
| Annual return | 20.26% | 44.21%-24.0pp | 4251.33%-4231.1pp | 160.72%-140.5pp |
| Employer contribution / active EE | $335 | $670-49.9% | $1,053-68.2% | $2,671-87.4% |
| Participant deferral / active EE | $1,302 | $1,202+8.4% | $1,923-32.3% | $4,126-68.4% |
| Admin fee / account holder | $2,533 | $1,727+46.7% | $2,520+0.5% | $5,651-55.2% |