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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 | $15,640 | $29,051-46.2% | $52,425-70.2% | $67,986-77.0% |
| Participation rate | 20.1% | 30.4%-10.3pp | 55.6%-35.5pp | 57.2%-37.1pp |
| Annual return | 26.53% | 24.00%+2.5pp | 302.12%-275.6pp | 31.67%-5.1pp |
| Employer contribution / active EE | $168 | $412-59.3% | $914-81.7% | $2,019-91.7% |
| Participant deferral / active EE | $608 | $873-30.4% | $1,790-66.1% | $3,358-81.9% |
| Admin fee / account holder | $3,383 | $2,113+60.1% | $2,495+35.6% | $3,203+5.6% |