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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 | $29,736-51.7% | $56,033-74.4% | $80,935-82.3% |
| Participation rate | 31.7% | 41.7%-10.0pp | 52.5%-20.8pp | 67.7%-36.0pp |
| Annual return | 11.48% | 35.28%-23.8pp | 1711.38%-1699.9pp | 35.66%-24.2pp |
| Employer contribution / active EE | $415 | $671-38.2% | $1,041-60.1% | $2,757-84.9% |
| Participant deferral / active EE | $1,565 | $1,228+27.4% | $1,954-19.9% | $4,299-63.6% |
| Admin fee / account holder | $1,101 | $2,434-54.8% | $2,827-61.1% | $6,924-84.1% |