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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 | $10,063 | $51,631-80.5% | $129,397-92.2% | $80,925-87.6% |
| Participation rate | 68.5% | 56.9%+11.6pp | 69.6%-1.1pp | 67.7%+0.9pp |
| Annual return | 16.24% | 20.77%-4.5pp | 9453.98%-9437.7pp | 35.65%-19.4pp |
| Employer contribution / active EE | $851 | $1,583-46.3% | $4,154-79.5% | $2,756-69.1% |
| Participant deferral / active EE | $1,264 | $2,670-52.6% | $4,167-69.7% | $4,299-70.6% |
| Admin fee / account holder | $932 | $4,309-78.4% | $7,679-87.9% | $6,940-86.6% |