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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 | $19,051 | $67,823-71.9% | $52,425-63.7% | $137,256-86.1% |
| Participation rate | 60.0% | 63.9%-3.9pp | 55.6%+4.4pp | 80.0%-20.0pp |
| Annual return | 13.61% | 219.11%-205.5pp | 302.12%-288.5pp | 220.34%-206.7pp |
| Employer contribution / active EE | $412 | $1,163-64.6% | $914-55.0% | $4,156-90.1% |
| Participant deferral / active EE | $896 | $2,288-60.9% | $1,790-50.0% | $6,407-86.0% |
| Admin fee / account holder | $543 | $2,844-80.9% | $2,495-78.3% | $12,270-95.6% |