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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 | $16,836 | $60,128-72.0% | $90,440-81.4% | $79,852-78.9% |
| Participation rate | 39.4% | 65.0%-25.6pp | 72.7%-33.3pp | 69.6%-30.2pp |
| Annual return | 45.09% | 71.95%-26.9pp | 1294.38%-1249.3pp | 31.72%+13.4pp |
| Employer contribution / active EE | $931 | $2,068-55.0% | $3,263-71.5% | $2,471-62.3% |
| Participant deferral / active EE | $2,931 | $2,939-0.2% | $3,964-26.0% | $3,740-21.6% |
| Admin fee / account holder | $550 | $3,977-86.2% | $5,615-90.2% | $5,306-89.6% |