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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 | $16,414 | $28,624-42.7% | $53,647-69.4% | $82,637-80.1% |
| Participation rate | 53.0% | 47.3%+5.8pp | 56.3%-3.2pp | 68.1%-15.0pp |
| Annual return | 17.89% | 664.98%-647.1pp | 358.33%-340.4pp | 53.51%-35.6pp |
| Employer contribution / active EE | $500 | $637-21.5% | $962-48.0% | $2,552-80.4% |
| Participant deferral / active EE | $1,074 | $1,196-10.3% | $1,813-40.8% | $4,126-74.0% |
| Admin fee / account holder | $1,145 | $2,022-43.4% | $2,460-53.5% | $7,339-84.4% |