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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 | $14,361 | $29,733-51.7% | $56,025-74.4% | $80,959-82.3% |
| Participation rate | 31.7% | 41.7%-10.1pp | 52.5%-20.8pp | 67.7%-36.0pp |
| Annual return | 11.48% | 35.28%-23.8pp | 1712.69%-1701.2pp | 35.67%-24.2pp |
| Employer contribution / active EE | $415 | $672-38.2% | $1,042-60.2% | $2,757-84.9% |
| Participant deferral / active EE | $1,565 | $1,229+27.3% | $1,955-19.9% | $4,300-63.6% |
| Admin fee / account holder | $1,101 | $2,434-54.8% | $2,828-61.1% | $6,925-84.1% |