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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 | $9,094 | $29,319-69.0% | $52,425-82.7% | $82,448-89.0% |
| Participation rate | 15.0% | 46.9%-31.9pp | 55.6%-40.6pp | 68.1%-53.1pp |
| Annual return | 20.72% | 535.20%-514.5pp | 302.12%-281.4pp | 41.64%-20.9pp |
| Employer contribution / active EE | $151 | $586-74.2% | $914-83.5% | $2,551-94.1% |
| Participant deferral / active EE | $617 | $1,171-47.3% | $1,790-65.5% | $4,139-85.1% |
| Admin fee / account holder | $510 | $1,962-74.0% | $2,495-79.6% | $7,234-93.0% |