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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 | $13,001 | $49,164-73.6% | $121,169-89.3% | $75,181-82.7% |
| Participation rate | 30.6% | 55.4%-24.9pp | 69.5%-39.0pp | 67.2%-36.6pp |
| Annual return | 25.45% | 56.03%-30.6pp | 986.71%-961.3pp | 160.69%-135.2pp |
| Employer contribution / active EE | $1,061 | $1,546-31.4% | $4,168-74.6% | $2,671-60.3% |
| Participant deferral / active EE | $2,612 | $2,628-0.6% | $4,083-36.0% | $4,126-36.7% |
| Admin fee / account holder | $997 | $3,942-74.7% | $5,645-82.3% | $5,650-82.4% |