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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 | $12,153 | $27,800-56.3% | $58,507-79.2% | $71,529-83.0% |
| Participation rate | 12.1% | 34.6%-22.5pp | 50.9%-38.8pp | 67.9%-55.8pp |
| Annual return | 31.82% | 26.80%+5.0pp | 4252.32%-4220.5pp | 28.97%+2.9pp |
| Employer contribution / active EE | $301 | $632-52.3% | $1,053-71.4% | $2,590-88.4% |
| Participant deferral / active EE | $664 | $1,208-45.1% | $1,922-65.5% | $4,291-84.5% |
| Admin fee / account holder | $2,180 | $1,637+33.1% | $2,486-12.3% | $1,588+37.2% |