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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 | $12,085 | $49,897-75.8% | $80,648-85.0% | $75,177-83.9% |
| Participation rate | 30.6% | 55.3%-24.7pp | 67.0%-36.4pp | 67.2%-36.6pp |
| Annual return | 16.64% | 34.68%-18.0pp | 937.21%-920.6pp | 160.75%-144.1pp |
| Employer contribution / active EE | $914 | $1,699-46.2% | $2,724-66.5% | $2,671-65.8% |
| Participant deferral / active EE | $1,283 | $2,992-57.1% | $4,443-71.1% | $4,126-68.9% |
| Admin fee / account holder | $2,468 | $3,579-31.0% | $5,382-54.1% | $5,651-56.3% |