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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 | $29,733+81.4% | $56,025-3.7% | $80,959-33.4% |
| Participation rate | 44.3% | 41.7%+2.5pp | 52.5%-8.2pp | 67.7%-23.4pp |
| Annual return | 10.61% | 35.28%-24.7pp | 1712.69%-1702.1pp | 35.67%-25.1pp |
| Employer contribution / active EE | $834 | $672+24.2% | $1,042-19.9% | $2,757-69.7% |
| Participant deferral / active EE | $1,906 | $1,229+55.0% | $1,955-2.5% | $4,300-55.7% |
| Admin fee / account holder | $1,469 | $2,434-39.6% | $2,828-48.1% | $6,925-78.8% |