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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 | $12,485 | $30,421-59.0% | $56,077-77.7% | $74,429-83.2% |
| Participation rate | 18.0% | 32.9%-14.8pp | 52.5%-34.5pp | 67.2%-49.2pp |
| Annual return | 13.67% | 24.94%-11.3pp | 1709.28%-1695.6pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $141 | $610-76.9% | $1,040-86.4% | $2,625-94.6% |
| Participant deferral / active EE | $512 | $1,175-56.4% | $1,954-73.8% | $4,348-88.2% |
| Admin fee / account holder | $1,092 | $2,363-53.8% | $2,825-61.4% | $1,944-43.8% |