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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 | $16,768 | $99,921-83.2% | $85,009-80.3% | $145,959-88.5% |
| Participation rate | 35.7% | 74.1%-38.4pp | 67.5%-31.8pp | 80.3%-44.6pp |
| Annual return | 18.61% | 83.89%-65.3pp | 66.47%-47.9pp | 561.95%-543.3pp |
| Employer contribution / active EE | $618 | $3,233-80.9% | $2,728-77.3% | $4,661-86.7% |
| Participant deferral / active EE | $1,167 | $5,293-77.9% | $4,522-74.2% | $6,689-82.5% |
| Admin fee / account holder | $329 | $7,252-95.5% | $6,153-94.6% | $13,398-97.5% |