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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 | $16,090 | $63,703-74.7% | $93,063-82.7% | $82,448-80.5% |
| Participation rate | 61.5% | 63.8%-2.3pp | 72.1%-10.6pp | 68.1%-6.5pp |
| Annual return | 77.32% | -775.43%+852.7pp | 34.15%+43.2pp | 41.64%+35.7pp |
| Employer contribution / active EE | $1,020 | $1,729-41.0% | $2,476-58.8% | $2,551-60.0% |
| Participant deferral / active EE | $1,760 | $2,919-39.7% | $3,958-55.5% | $4,139-57.5% |
| Admin fee / account holder | $397 | $5,982-93.4% | $6,033-93.4% | $7,234-94.5% |