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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 | $12,761 | $96,508-86.8% | $75,901-83.2% | $152,897-91.7% |
| Participation rate | 60.0% | 76.2%-16.2pp | 69.3%-9.3pp | 82.5%-22.5pp |
| Annual return | 41.73% | 33.99%+7.7pp | 30.76%+11.0pp | 345.43%-303.7pp |
| Employer contribution / active EE | $834 | $3,310-74.8% | $2,501-66.7% | $4,764-82.5% |
| Participant deferral / active EE | $3,984 | $4,554-12.5% | $3,603+10.6% | $5,851-31.9% |
| Admin fee / account holder | $352 | $8,081-95.7% | $5,420-93.5% | $11,599-97.0% |