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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 | $27,411 | $27,800-1.4% | $58,507-53.1% | $71,529-61.7% |
| Participation rate | 22.2% | 34.6%-12.4pp | 50.9%-28.6pp | 67.9%-45.7pp |
| Annual return | 17.16% | 26.80%-9.6pp | 4252.32%-4235.2pp | 28.97%-11.8pp |
| Employer contribution / active EE | $200 | $632-68.4% | $1,053-81.1% | $2,590-92.3% |
| Participant deferral / active EE | $866 | $1,208-28.3% | $1,922-54.9% | $4,291-79.8% |
| Admin fee / account holder | $4,238 | $1,637+158.9% | $2,486+70.5% | $1,588+166.8% |