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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 | $13,333 | $45,126-70.5% | $85,187-84.3% | $74,459-82.1% |
| Participation rate | 65.7% | 49.4%+16.3pp | 67.5%-1.8pp | 67.2%-1.5pp |
| Annual return | 11.49% | 26.30%-14.8pp | 66.67%-55.2pp | 1369.70%-1358.2pp |
| Employer contribution / active EE | $606 | $1,460-58.5% | $2,732-77.8% | $2,626-76.9% |
| Participant deferral / active EE | $1,809 | $2,738-33.9% | $4,525-60.0% | $4,350-58.4% |
| Admin fee / account holder | $466 | $2,212-78.9% | $6,162-92.4% | $1,945-76.1% |