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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 | $14,102 | $26,936-47.6% | $53,647-73.7% | $71,012-80.1% |
| Participation rate | 15.6% | 21.9%-6.3pp | 56.3%-40.7pp | 58.6%-43.0pp |
| Annual return | 18.83% | 81.59%-62.8pp | 358.33%-339.5pp | 37.67%-18.8pp |
| Employer contribution / active EE | $271 | $335-19.2% | $962-71.9% | $2,348-88.5% |
| Participant deferral / active EE | $386 | $590-34.5% | $1,813-78.7% | $3,246-88.1% |
| Admin fee / account holder | $1,711 | $2,177-21.4% | $2,460-30.5% | $1,167+46.6% |