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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 | $53,945 | $29,716+81.5% | $56,077-3.8% | $80,925-33.3% |
| Participation rate | 44.3% | 41.7%+2.6pp | 52.5%-8.2pp | 67.7%-23.4pp |
| Annual return | 10.61% | 35.30%-24.7pp | 1709.28%-1698.7pp | 35.65%-25.0pp |
| Employer contribution / active EE | $834 | $671+24.3% | $1,040-19.8% | $2,756-69.7% |
| Participant deferral / active EE | $1,906 | $1,228+55.2% | $1,954-2.5% | $4,299-55.7% |
| Admin fee / account holder | $1,469 | $2,432-39.6% | $2,825-48.0% | $6,940-78.8% |