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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 | $18,941 | $75,962-75.1% | $154,108-87.7% | $64,173-70.5% |
| Participation rate | 59.7% | 70.4%-10.7pp | 83.0%-23.4pp | 69.6%-9.9pp |
| Annual return | 33.00% | 30.32%+2.7pp | 735.21%-702.2pp | 7.63%+25.4pp |
| Employer contribution / active EE | $412 | $3,350-87.7% | $5,298-92.2% | $2,381-82.7% |
| Participant deferral / active EE | $1,284 | $3,175-59.6% | $5,081-74.7% | $3,470-63.0% |
| Admin fee / account holder | $1,935 | $5,589-65.4% | $13,411-85.6% | $4,887-60.4% |