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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 | $60,454-26.4% | $81,844-45.7% | $74,459-40.3% |
| Participation rate | 31.7% | 63.0%-31.2pp | 72.4%-40.6pp | 67.2%-35.5pp |
| Annual return | 14.36% | 16.87%-2.5pp | 778.87%-764.5pp | 1369.70%-1355.3pp |
| Employer contribution / active EE | $777 | $2,630-70.4% | $2,916-73.4% | $2,626-70.4% |
| Participant deferral / active EE | $1,639 | $3,398-51.8% | $4,323-62.1% | $4,350-62.3% |
| Admin fee / account holder | $613 | $1,490-58.9% | $7,355-91.7% | $1,945-68.5% |