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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 | $26,658 | $96,123-72.3% | $77,361-65.5% | $198,609-86.6% |
| Participation rate | 61.5% | 81.1%-19.6pp | 75.0%-13.4pp | 82.4%-20.8pp |
| Annual return | 9.27% | 2054.81%-2045.5pp | 1011.54%-1002.3pp | 202.70%-193.4pp |
| Employer contribution / active EE | $1,192 | $3,791-68.5% | $2,990-60.1% | $5,055-76.4% |
| Participant deferral / active EE | $4,605 | $4,975-7.4% | $3,911+17.8% | $6,977-34.0% |
| Admin fee / account holder | $6,573 | $9,471-30.6% | $5,894+11.5% | $19,030-65.5% |