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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 | $15,812 | $29,051-45.6% | $52,425-69.8% | $67,986-76.7% |
| Participation rate | 22.1% | 30.4%-8.4pp | 55.6%-33.6pp | 57.2%-35.1pp |
| Annual return | 17.51% | 24.00%-6.5pp | 302.12%-284.6pp | 31.67%-14.2pp |
| Employer contribution / active EE | $205 | $412-50.1% | $914-77.5% | $2,019-89.8% |
| Participant deferral / active EE | $923 | $873+5.7% | $1,790-48.5% | $3,358-72.5% |
| Admin fee / account holder | $1,452 | $2,113-31.3% | $2,495-41.8% | $3,203-54.7% |