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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 | $11,147 | $51,638-78.4% | $68,368-83.7% | $82,448-86.5% |
| Participation rate | 30.5% | 63.6%-33.1pp | 73.8%-43.2pp | 68.1%-37.6pp |
| Annual return | 19.97% | 37.53%-17.6pp | 292.57%-272.6pp | 41.64%-21.7pp |
| Employer contribution / active EE | $645 | $2,047-68.5% | $2,649-75.7% | $2,551-74.7% |
| Participant deferral / active EE | $1,211 | $2,914-58.5% | $4,123-70.6% | $4,139-70.8% |
| Admin fee / account holder | $982 | $4,643-78.9% | $5,150-80.9% | $7,234-86.4% |