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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 | $33,828 | $30,421+11.2% | $56,077-39.7% | $74,429-54.5% |
| Participation rate | 19.2% | 32.9%-13.7pp | 52.5%-33.3pp | 67.2%-48.0pp |
| Annual return | 13.93% | 24.94%-11.0pp | 1709.28%-1695.4pp | 1368.38%-1354.5pp |
| Employer contribution / active EE | $235 | $610-61.5% | $1,040-77.5% | $2,625-91.1% |
| Participant deferral / active EE | $1,099 | $1,175-6.5% | $1,954-43.8% | $4,348-74.7% |
| Admin fee / account holder | $4,547 | $2,363+92.4% | $2,825+61.0% | $1,944+133.8% |