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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 | $11,538 | $27,800-58.5% | $58,561-80.3% | $71,511-83.9% |
| Participation rate | 9.7% | 34.6%-24.9pp | 50.9%-41.2pp | 67.9%-58.2pp |
| Annual return | 29.64% | 26.80%+2.8pp | 4251.33%-4221.7pp | 28.86%+0.8pp |
| Employer contribution / active EE | $212 | $632-66.4% | $1,053-79.9% | $2,589-91.8% |
| Participant deferral / active EE | $467 | $1,208-61.4% | $1,923-75.7% | $4,291-89.1% |
| Admin fee / account holder | $496 | $1,637-69.7% | $2,520-80.3% | $1,588-68.8% |