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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 | $16,081 | $85,171-81.1% | $172,752-90.7% | $72,975-78.0% |
| Participation rate | 60.8% | 70.1%-9.3pp | 82.6%-21.8pp | 69.5%-8.7pp |
| Annual return | 25.20% | 27.32%-2.1pp | 802.97%-777.8pp | 81.01%-55.8pp |
| Employer contribution / active EE | $798 | $3,324-76.0% | $5,144-84.5% | $2,440-67.3% |
| Participant deferral / active EE | $1,383 | $3,260-57.6% | $5,198-73.4% | $3,608-61.7% |
| Admin fee / account holder | $447 | $5,880-92.4% | $13,955-96.8% | $5,124-91.3% |