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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 | $44,312 | $29,733+49.0% | $56,025-20.9% | $80,959-45.3% |
| Participation rate | 29.0% | 41.7%-12.7pp | 52.5%-23.5pp | 67.7%-38.6pp |
| Annual return | 16.76% | 35.28%-18.5pp | 1712.69%-1695.9pp | 35.67%-18.9pp |
| Employer contribution / active EE | $1,106 | $672+64.6% | $1,042+6.1% | $2,757-59.9% |
| Participant deferral / active EE | $2,254 | $1,229+83.3% | $1,955+15.3% | $4,300-47.6% |
| Admin fee / account holder | $597 | $2,434-75.5% | $2,828-78.9% | $6,925-91.4% |