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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 | $9,792 | $58,258-83.2% | $81,820-88.0% | $80,925-87.9% |
| Participation rate | 37.3% | 63.5%-26.1pp | 72.4%-35.1pp | 67.7%-30.3pp |
| Annual return | 27.33% | 41.76%-14.4pp | 777.93%-750.6pp | 35.65%-8.3pp |
| Employer contribution / active EE | $390 | $2,345-83.4% | $2,915-86.6% | $2,756-85.9% |
| Participant deferral / active EE | $821 | $3,284-75.0% | $4,323-81.0% | $4,299-80.9% |
| Admin fee / account holder | $478 | $4,976-90.4% | $7,391-93.5% | $6,940-93.1% |