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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 | $16,875 | $29,670-43.1% | $56,054-69.9% | $80,911-79.1% |
| Participation rate | 66.7% | 41.7%+25.0pp | 52.5%+14.2pp | 67.6%-1.0pp |
| Annual return | 13.27% | 35.24%-22.0pp | 1705.95%-1692.7pp | 35.63%-22.4pp |
| Employer contribution / active EE | $3,636 | $670+443.0% | $1,039+250.0% | $2,756+32.0% |
| Participant deferral / active EE | $1,453 | $1,227+18.5% | $1,952-25.6% | $4,297-66.2% |
| Admin fee / account holder | $391 | $2,431-83.9% | $2,822-86.1% | $6,935-94.4% |