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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 | $15,576 | $39,028-60.1% | $80,741-80.7% | $85,847-81.9% |
| Participation rate | 37.5% | 41.6%-4.1pp | 54.2%-16.7pp | 69.3%-31.8pp |
| Annual return | 11.89% | 26.31%-14.4pp | 87.30%-75.4pp | 318.61%-306.7pp |
| Employer contribution / active EE | $1,007 | $722+39.4% | $1,160-13.2% | $2,565-60.8% |
| Participant deferral / active EE | $1,352 | $1,326+2.0% | $2,145-37.0% | $3,952-65.8% |
| Admin fee / account holder | $651 | $2,429-73.2% | $3,380-80.7% | $6,261-89.6% |