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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 | $10,010 | $45,900-78.2% | $94,057-89.4% | $64,340-84.4% |
| Participation rate | 60.0% | 50.6%+9.4pp | 73.3%-13.3pp | 55.2%+4.8pp |
| Annual return | 21.18% | 50.47%-29.3pp | 480.62%-459.4pp | 24.14%-3.0pp |
| Employer contribution / active EE | $1,141 | $1,612-29.2% | $2,933-61.1% | $1,862-38.7% |
| Participant deferral / active EE | $713 | $2,102-66.1% | $4,709-84.9% | $2,980-76.1% |
| Admin fee / account holder | $592 | $3,143-81.2% | $7,244-91.8% | $3,703-84.0% |