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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 | $11,014 | $27,800-60.4% | $58,507-81.2% | $71,529-84.6% |
| Participation rate | 11.5% | 34.6%-23.1pp | 50.9%-39.4pp | 67.9%-56.4pp |
| Annual return | 33.37% | 26.80%+6.6pp | 4252.32%-4218.9pp | 28.97%+4.4pp |
| Employer contribution / active EE | $193 | $632-69.4% | $1,053-81.7% | $2,590-92.5% |
| Participant deferral / active EE | $429 | $1,208-64.5% | $1,922-77.7% | $4,291-90.0% |
| Admin fee / account holder | $555 | $1,637-66.1% | $2,486-77.7% | $1,588-65.1% |