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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 | $33,428 | $29,319+14.0% | $52,425-36.2% | $82,448-59.5% |
| Participation rate | 24.4% | 46.9%-22.5pp | 55.6%-31.2pp | 68.1%-43.7pp |
| Annual return | 15.73% | 535.20%-519.5pp | 302.12%-286.4pp | 41.64%-25.9pp |
| Employer contribution / active EE | $591 | $586+0.8% | $914-35.4% | $2,551-76.8% |
| Participant deferral / active EE | $627 | $1,171-46.4% | $1,790-65.0% | $4,139-84.8% |
| Admin fee / account holder | $707 | $1,962-63.9% | $2,495-71.6% | $7,234-90.2% |