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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 | $10,623 | $30,421-65.1% | $56,077-81.1% | $74,429-85.7% |
| Participation rate | 21.3% | 32.9%-11.5pp | 52.5%-31.2pp | 67.2%-45.9pp |
| Annual return | 12.05% | 24.94%-12.9pp | 1709.28%-1697.2pp | 1368.38%-1356.3pp |
| Employer contribution / active EE | $246 | $610-59.6% | $1,040-76.3% | $2,625-90.6% |
| Participant deferral / active EE | $477 | $1,175-59.4% | $1,954-75.6% | $4,348-89.0% |
| Admin fee / account holder | $1,468 | $2,363-37.9% | $2,825-48.0% | $1,944-24.5% |