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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 | $7,353 | $55,902-86.8% | $76,030-90.3% | $80,959-90.9% |
| Participation rate | 39.8% | 62.1%-22.3pp | 69.1%-29.3pp | 67.7%-27.9pp |
| Annual return | 66.97% | 20.59%+46.4pp | 361.54%-294.6pp | 35.67%+31.3pp |
| Employer contribution / active EE | $904 | $1,867-51.6% | $2,688-66.4% | $2,757-67.2% |
| Participant deferral / active EE | $1,368 | $3,051-55.2% | $4,257-67.9% | $4,300-68.2% |
| Admin fee / account holder | $1,387 | $5,239-73.5% | $6,421-78.4% | $6,925-80.0% |