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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 | $19,632 | $27,924-29.7% | $58,544-66.5% | $75,181-73.9% |
| Participation rate | 40.6% | 38.8%+1.8pp | 50.9%-10.2pp | 67.2%-26.6pp |
| Annual return | 17.96% | 44.20%-26.2pp | 4249.56%-4231.6pp | 160.69%-142.7pp |
| Employer contribution / active EE | $355 | $669-47.0% | $1,053-66.3% | $2,671-86.7% |
| Participant deferral / active EE | $1,150 | $1,202-4.3% | $1,923-40.2% | $4,126-72.1% |
| Admin fee / account holder | $566 | $1,726-67.2% | $2,520-77.5% | $5,650-90.0% |