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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 | $30,423-65.1% | $56,025-81.0% | $74,478-85.7% |
| Participation rate | 21.3% | 32.9%-11.5pp | 52.5%-31.2pp | 67.2%-45.9pp |
| Annual return | 12.05% | 24.97%-12.9pp | 1712.69%-1700.6pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $246 | $610-59.6% | $1,042-76.4% | $2,626-90.6% |
| Participant deferral / active EE | $477 | $1,176-59.4% | $1,955-75.6% | $4,350-89.0% |
| Admin fee / account holder | $1,468 | $2,363-37.9% | $2,828-48.1% | $1,946-24.6% |