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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 | $38,244 | $77,908-50.9% | $149,696-74.5% | $75,173-49.1% |
| Participation rate | 26.5% | 65.6%-39.1pp | 78.8%-52.3pp | 67.2%-40.7pp |
| Annual return | 52.67% | 31.73%+20.9pp | 134.46%-81.8pp | 160.72%-108.0pp |
| Employer contribution / active EE | $1,168 | $3,138-62.8% | $4,821-75.8% | $2,671-56.3% |
| Participant deferral / active EE | $6,761 | $3,411+98.2% | $5,682+19.0% | $4,126+63.8% |
| Admin fee / account holder | $546 | $5,950-90.8% | $13,212-95.9% | $5,651-90.3% |