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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 | $11,796 | $34,316-65.6% | $74,723-84.2% | $72,976-83.8% |
| Participation rate | 43.9% | 42.4%+1.5pp | 54.5%-10.6pp | 69.5%-25.6pp |
| Annual return | 26.51% | 26.58%-0.1pp | 753.18%-726.7pp | 81.02%-54.5pp |
| Employer contribution / active EE | $710 | $692+2.6% | $1,084-34.5% | $2,440-70.9% |
| Participant deferral / active EE | $2,451 | $1,272+92.8% | $1,962+25.0% | $3,608-32.1% |
| Admin fee / account holder | $393 | $2,125-81.5% | $3,335-88.2% | $5,124-92.3% |