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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 | $11,168 | $29,525-62.2% | $56,033-80.1% | $77,736-85.6% |
| Participation rate | 11.2% | 32.7%-21.5pp | 52.5%-41.3pp | 70.6%-59.4pp |
| Annual return | 15.22% | 18.90%-3.7pp | 1711.38%-1696.2pp | 31.26%-16.0pp |
| Employer contribution / active EE | $244 | $569-57.1% | $1,041-76.5% | $2,728-91.0% |
| Participant deferral / active EE | $352 | $1,062-66.8% | $1,954-82.0% | $4,651-92.4% |
| Admin fee / account holder | $798 | $1,040-23.3% | $2,827-71.8% | $433+84.2% |