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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 | $90,691-88.2% | $76,119-85.9% | $145,884-92.7% |
| Participation rate | 38.9% | 74.5%-35.6pp | 69.1%-30.2pp | 80.3%-41.4pp |
| Annual return | 13.87% | 624.52%-610.7pp | 361.25%-347.4pp | 551.85%-538.0pp |
| Employer contribution / active EE | $962 | $3,329-71.1% | $2,693-64.3% | $4,662-79.4% |
| Participant deferral / active EE | $2,289 | $5,167-55.7% | $4,259-46.3% | $6,690-65.8% |
| Admin fee / account holder | $1,071 | $8,383-87.2% | $6,421-83.3% | $13,392-92.0% |