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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 | $81,021 | $39,028+107.6% | $80,741+0.3% | $85,856-5.6% |
| Participation rate | 15.0% | 41.6%-26.6pp | 54.2%-39.2pp | 69.3%-54.3pp |
| Annual return | 12.81% | 26.31%-13.5pp | 87.30%-74.5pp | 318.58%-305.8pp |
| Employer contribution / active EE | $657 | $722-9.1% | $1,160-43.4% | $2,565-74.4% |
| Participant deferral / active EE | $1,324 | $1,326-0.1% | $2,145-38.3% | $3,952-66.5% |
| Admin fee / account holder | $21,218 | $2,429+773.5% | $3,380+527.7% | $6,261+238.9% |