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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 | $100,073-90.9% | $85,126-89.3% | $145,877-93.8% |
| Participation rate | 58.3% | 74.1%-15.8pp | 67.5%-9.2pp | 80.3%-22.0pp |
| Annual return | 106.08% | 84.11%+22.0pp | 66.63%+39.4pp | 551.28%-445.2pp |
| Employer contribution / active EE | $1,166 | $3,236-64.0% | $2,731-57.3% | $4,663-75.0% |
| Participant deferral / active EE | $1,613 | $5,294-69.5% | $4,523-64.3% | $6,691-75.9% |
| Admin fee / account holder | $432 | $7,261-94.0% | $6,160-93.0% | $13,402-96.8% |