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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 | $19,954 | $29,667-32.7% | $56,441-64.6% | $80,874-75.3% |
| Participation rate | 13.8% | 41.7%-27.8pp | 52.5%-38.6pp | 67.6%-53.8pp |
| Annual return | 21.53% | 35.22%-13.7pp | 1704.21%-1682.7pp | 35.62%-14.1pp |
| Employer contribution / active EE | $305 | $669-54.5% | $1,039-70.7% | $2,756-88.9% |
| Participant deferral / active EE | $766 | $1,227-37.6% | $1,953-60.8% | $4,297-82.2% |
| Admin fee / account holder | $985 | $2,429-59.4% | $2,829-65.2% | $6,935-85.8% |