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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 | $14,549 | $55,446-73.8% | $155,574-90.6% | $74,429-80.5% |
| Participation rate | 24.8% | 61.9%-37.1pp | 78.2%-53.5pp | 67.2%-42.5pp |
| Annual return | 15.72% | 269.20%-253.5pp | 64.87%-49.1pp | 1368.38%-1352.7pp |
| Employer contribution / active EE | $1,026 | $2,266-54.7% | $4,676-78.0% | $2,625-60.9% |
| Participant deferral / active EE | $2,162 | $2,836-23.7% | $5,629-61.6% | $4,348-50.3% |
| Admin fee / account holder | $772 | $1,743-55.7% | $15,914-95.1% | $1,944-60.3% |