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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 | $9,182 | $29,667-69.0% | $56,441-83.7% | $80,874-88.6% |
| Participation rate | 52.5% | 41.7%+10.8pp | 52.5%0pp | 67.6%-15.1pp |
| Annual return | 11.61% | 35.22%-23.6pp | 1704.21%-1692.6pp | 35.62%-24.0pp |
| Employer contribution / active EE | $886 | $669+32.4% | $1,039-14.7% | $2,756-67.8% |
| Participant deferral / active EE | $469 | $1,227-61.8% | $1,953-76.0% | $4,297-89.1% |
| Admin fee / account holder | $1,120 | $2,429-53.9% | $2,829-60.4% | $6,935-83.8% |