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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 | $13,900 | $56,431-75.4% | $130,788-89.4% | $87,485-84.1% |
| Participation rate | 23.4% | 58.9%-35.6pp | 70.1%-46.7pp | 68.9%-45.6pp |
| Annual return | 17.99% | 91.27%-73.3pp | 386.44%-368.5pp | 26.06%-8.1pp |
| Employer contribution / active EE | $334 | $1,549-78.5% | $3,558-90.6% | $2,596-87.2% |
| Participant deferral / active EE | $1,594 | $2,749-42.0% | $4,137-61.5% | $4,274-62.7% |
| Admin fee / account holder | $813 | $4,433-81.7% | $6,673-87.8% | $7,775-89.5% |