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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 | $30,423 | $34,316-11.3% | $74,722-59.3% | $72,975-58.3% |
| Participation rate | 36.6% | 42.4%-5.8pp | 54.5%-17.9pp | 69.5%-32.9pp |
| Annual return | 24.66% | 26.58%-1.9pp | 753.11%-728.5pp | 81.01%-56.4pp |
| Employer contribution / active EE | $896 | $692+29.4% | $1,084-17.4% | $2,440-63.3% |
| Participant deferral / active EE | $1,314 | $1,272+3.3% | $1,963-33.1% | $3,608-63.6% |
| Admin fee / account holder | $3,938 | $2,125+85.3% | $3,335+18.1% | $5,124-23.2% |