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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 | $40,395 | $29,667+36.2% | $56,441-28.4% | $80,874-50.1% |
| Participation rate | 27.8% | 41.7%-13.9pp | 52.5%-24.7pp | 67.6%-39.9pp |
| Annual return | 14.72% | 35.22%-20.5pp | 1704.21%-1689.5pp | 35.62%-20.9pp |
| Employer contribution / active EE | $593 | $669-11.3% | $1,039-42.9% | $2,756-78.5% |
| Participant deferral / active EE | $2,295 | $1,227+87.1% | $1,953+17.5% | $4,297-46.6% |
| Admin fee / account holder | $1,111 | $2,429-54.3% | $2,829-60.7% | $6,935-84.0% |