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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 | $11,977 | $39,028-69.3% | $80,741-85.2% | $85,847-86.0% |
| Participation rate | 53.5% | 41.6%+11.9pp | 54.2%-0.7pp | 69.3%-15.8pp |
| Annual return | 12.84% | 26.31%-13.5pp | 87.30%-74.5pp | 318.61%-305.8pp |
| Employer contribution / active EE | $1,000 | $722+38.5% | $1,160-13.8% | $2,565-61.0% |
| Participant deferral / active EE | $1,396 | $1,326+5.3% | $2,145-34.9% | $3,952-64.7% |
| Admin fee / account holder | $598 | $2,429-75.4% | $3,380-82.3% | $6,261-90.4% |