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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 | $23,067 | $29,716-22.4% | $56,077-58.9% | $80,925-71.5% |
| Participation rate | 10.3% | 41.7%-31.4pp | 52.5%-42.2pp | 67.7%-57.4pp |
| Annual return | 23.43% | 35.30%-11.9pp | 1709.28%-1685.8pp | 35.65%-12.2pp |
| Employer contribution / active EE | $442 | $671-34.2% | $1,040-57.6% | $2,756-84.0% |
| Participant deferral / active EE | $288 | $1,228-76.5% | $1,954-85.3% | $4,299-93.3% |
| Admin fee / account holder | $2,544 | $2,432+4.6% | $2,825-9.9% | $6,940-63.3% |