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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 | $27,183 | $58,275-53.4% | $81,844-66.8% | $80,935-66.4% |
| Participation rate | 34.4% | 63.5%-29.1pp | 72.4%-38.0pp | 67.7%-33.3pp |
| Annual return | 25.81% | 41.82%-16.0pp | 778.87%-753.1pp | 35.66%-9.8pp |
| Employer contribution / active EE | $1,065 | $2,346-54.6% | $2,916-63.5% | $2,757-61.4% |
| Participant deferral / active EE | $2,022 | $3,285-38.5% | $4,323-53.2% | $4,299-53.0% |
| Admin fee / account holder | $352 | $4,749-92.6% | $7,355-95.2% | $6,924-94.9% |