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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 | $24,761 | $100,073-75.3% | $85,126-70.9% | $145,877-83.0% |
| Participation rate | 45.0% | 74.1%-29.1pp | 67.5%-22.5pp | 80.3%-35.3pp |
| Annual return | 12.29% | 84.11%-71.8pp | 66.63%-54.3pp | 551.28%-539.0pp |
| Employer contribution / active EE | $447 | $3,236-86.2% | $2,731-83.6% | $4,663-90.4% |
| Participant deferral / active EE | $1,062 | $5,294-79.9% | $4,523-76.5% | $6,691-84.1% |
| Admin fee / account holder | $9,467 | $7,261+30.4% | $6,160+53.7% | $13,402-29.4% |