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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 | $15,585 | $52,961-70.6% | $172,752-91.0% | $65,185-76.1% |
| Participation rate | 61.8% | 66.2%-4.4pp | 82.6%-20.9pp | 70.2%-8.4pp |
| Annual return | 20.64% | 30.12%-9.5pp | 802.97%-782.3pp | 29.38%-8.7pp |
| Employer contribution / active EE | $856 | $2,190-60.9% | $5,144-83.4% | $2,177-60.7% |
| Participant deferral / active EE | $1,872 | $2,471-24.2% | $5,198-64.0% | $3,514-46.7% |
| Admin fee / account holder | $602 | $472+27.6% | $13,955-95.7% | $847-28.9% |