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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 | $29,716+49.1% | $56,077-21.0% | $80,925-45.2% |
| Participation rate | 29.0% | 41.7%-12.7pp | 52.5%-23.5pp | 67.7%-38.6pp |
| Annual return | 16.76% | 35.30%-18.5pp | 1709.28%-1692.5pp | 35.65%-18.9pp |
| Employer contribution / active EE | $1,106 | $671+64.8% | $1,040+6.3% | $2,756-59.9% |
| Participant deferral / active EE | $2,254 | $1,228+83.5% | $1,954+15.3% | $4,299-47.6% |
| Admin fee / account holder | $597 | $2,432-75.5% | $2,825-78.9% | $6,940-91.4% |