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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 | $15,667 | $34,316-54.3% | $74,722-79.0% | $72,975-78.5% |
| Participation rate | 28.9% | 42.4%-13.5pp | 54.5%-25.5pp | 69.5%-40.5pp |
| Annual return | 27.05% | 26.58%+0.5pp | 753.11%-726.1pp | 81.01%-54.0pp |
| Employer contribution / active EE | $1,018 | $692+47.2% | $1,084-6.1% | $2,440-58.3% |
| Participant deferral / active EE | $2,074 | $1,272+63.1% | $1,963+5.6% | $3,608-42.5% |
| Admin fee / account holder | $663 | $2,125-68.8% | $3,335-80.1% | $5,124-87.1% |