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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 | $36,053 | $29,319+23.0% | $52,425-31.2% | $82,448-56.3% |
| Participation rate | 29.4% | 46.9%-17.4pp | 55.6%-26.2pp | 68.1%-38.7pp |
| Annual return | 15.60% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.0pp |
| Employer contribution / active EE | $596 | $586+1.6% | $914-34.8% | $2,551-76.6% |
| Participant deferral / active EE | $983 | $1,171-16.1% | $1,790-45.1% | $4,139-76.2% |
| Admin fee / account holder | $2,449 | $1,962+24.8% | $2,495-1.8% | $7,234-66.1% |