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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 | $14,036 | $60,139-76.7% | $90,461-84.5% | $79,856-82.4% |
| Participation rate | 69.0% | 65.0%+4.1pp | 72.7%-3.6pp | 69.6%-0.6pp |
| Annual return | 14.50% | 71.96%-57.5pp | 1294.76%-1280.3pp | 31.71%-17.2pp |
| Employer contribution / active EE | $686 | $2,069-66.9% | $3,264-79.0% | $2,471-72.3% |
| Participant deferral / active EE | $1,069 | $2,939-63.6% | $3,964-73.0% | $3,741-71.4% |
| Admin fee / account holder | $384 | $3,978-90.4% | $5,617-93.2% | $5,306-92.8% |