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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 | $23,832 | $60,128-60.4% | $90,440-73.6% | $79,852-70.2% |
| Participation rate | 38.9% | 65.0%-26.1pp | 72.7%-33.8pp | 69.6%-30.7pp |
| Annual return | 18.25% | 71.95%-53.7pp | 1294.38%-1276.1pp | 31.72%-13.5pp |
| Employer contribution / active EE | $444 | $2,068-78.5% | $3,263-86.4% | $2,471-82.0% |
| Participant deferral / active EE | $1,639 | $2,939-44.2% | $3,964-58.7% | $3,740-56.2% |
| Admin fee / account holder | $4,003 | $3,977+0.6% | $5,615-28.7% | $5,306-24.6% |