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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 | $9,124 | $81,749-88.8% | $58,544-84.4% | $139,456-93.5% |
| Participation rate | 62.5% | 61.3%+1.2pp | 50.9%+11.6pp | 80.3%-17.8pp |
| Annual return | 16.85% | 7425.45%-7408.6pp | 4249.56%-4232.7pp | 373.45%-356.6pp |
| Employer contribution / active EE | $1,270 | $1,398-9.1% | $1,053+20.6% | $4,753-73.3% |
| Participant deferral / active EE | $781 | $2,555-69.4% | $1,923-59.4% | $6,711-88.4% |
| Admin fee / account holder | $577 | $3,272-82.4% | $2,520-77.1% | $11,407-94.9% |