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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 | $10,718 | $90,614-88.2% | $76,089-85.9% | $145,877-92.7% |
| Participation rate | 38.9% | 74.5%-35.6pp | 69.1%-30.2pp | 80.3%-41.4pp |
| Annual return | 13.87% | 623.80%-609.9pp | 360.94%-347.1pp | 551.28%-537.4pp |
| Employer contribution / active EE | $962 | $3,324-71.1% | $2,690-64.2% | $4,663-79.4% |
| Participant deferral / active EE | $2,289 | $5,168-55.7% | $4,259-46.3% | $6,691-65.8% |
| Admin fee / account holder | $1,071 | $8,376-87.2% | $6,418-83.3% | $13,402-92.0% |