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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 | $55,470-73.8% | $155,556-90.6% | $74,478-80.5% |
| Participation rate | 24.8% | 61.9%-37.1pp | 78.2%-53.5pp | 67.2%-42.5pp |
| Annual return | 15.72% | 269.80%-254.1pp | 64.84%-49.1pp | 1370.56%-1354.8pp |
| Employer contribution / active EE | $1,026 | $2,267-54.7% | $4,675-78.0% | $2,626-60.9% |
| Participant deferral / active EE | $2,162 | $2,838-23.8% | $5,631-61.6% | $4,350-50.3% |
| Admin fee / account holder | $772 | $1,744-55.7% | $15,885-95.1% | $1,946-60.3% |