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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 | $44,473 | $60,393-26.4% | $81,820-45.6% | $74,429-40.2% |
| Participation rate | 31.7% | 62.9%-31.2pp | 72.4%-40.6pp | 67.2%-35.5pp |
| Annual return | 14.36% | 16.89%-2.5pp | 777.93%-763.6pp | 1368.38%-1354.0pp |
| Employer contribution / active EE | $777 | $2,626-70.4% | $2,915-73.3% | $2,625-70.4% |
| Participant deferral / active EE | $1,639 | $3,397-51.8% | $4,323-62.1% | $4,348-62.3% |
| Admin fee / account holder | $613 | $1,491-58.9% | $7,391-91.7% | $1,944-68.5% |