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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 | $9,109 | $100,203-90.9% | $85,240-89.3% | $145,897-93.8% |
| Participation rate | 58.3% | 74.1%-15.8pp | 67.5%-9.2pp | 80.3%-22.0pp |
| Annual return | 106.08% | 84.28%+21.8pp | 66.75%+39.3pp | 552.29%-446.2pp |
| Employer contribution / active EE | $1,166 | $3,242-64.0% | $2,735-57.4% | $4,663-75.0% |
| Participant deferral / active EE | $1,613 | $5,299-69.6% | $4,527-64.4% | $6,689-75.9% |
| Admin fee / account holder | $432 | $7,265-94.0% | $6,165-93.0% | $13,390-96.8% |