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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 | $20,151 | $36,943-45.5% | $52,425-61.6% | $103,975-80.6% |
| Participation rate | 4.6% | 27.5%-23.0pp | 55.6%-51.1pp | 72.5%-68.0pp |
| Annual return | 40.09% | 17.59%+22.5pp | 302.12%-262.0pp | 19.41%+20.7pp |
| Employer contribution / active EE | $78 | $884-91.2% | $914-91.5% | $3,722-97.9% |
| Participant deferral / active EE | $227 | $1,347-83.2% | $1,790-87.3% | $5,343-95.8% |
| Admin fee / account holder | $3,197 | $508+529.4% | $2,495+28.2% | $332+861.9% |