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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 | $12,424 | $100,073-87.6% | $85,126-85.4% | $145,877-91.5% |
| Participation rate | 53.3% | 74.1%-20.8pp | 67.5%-14.2pp | 80.3%-27.0pp |
| Annual return | 17.53% | 84.11%-66.6pp | 66.63%-49.1pp | 551.28%-533.8pp |
| Employer contribution / active EE | $931 | $3,236-71.2% | $2,731-65.9% | $4,663-80.0% |
| Participant deferral / active EE | $1,400 | $5,294-73.6% | $4,523-69.1% | $6,691-79.1% |
| Admin fee / account holder | $787 | $7,261-89.2% | $6,160-87.2% | $13,402-94.1% |