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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 | $27,532 | $110,039-75.0% | $97,260-71.7% | $145,884-81.1% |
| Participation rate | 13.3% | 75.9%-62.6pp | 72.7%-59.3pp | 80.3%-67.0pp |
| Annual return | 13.68% | 244.44%-230.8pp | 75.54%-61.9pp | 551.85%-538.2pp |
| Employer contribution / active EE | $350 | $3,074-88.6% | $2,721-87.1% | $4,662-92.5% |
| Participant deferral / active EE | $1,117 | $4,674-76.1% | $4,262-73.8% | $6,690-83.3% |
| Admin fee / account holder | $5,143 | $6,204-17.1% | $5,640-8.8% | $13,392-61.6% |