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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 | $29,941 | $29,733+0.7% | $56,025-46.6% | $80,959-63.0% |
| Participation rate | 34.0% | 41.7%-7.7pp | 52.5%-18.5pp | 67.7%-33.6pp |
| Annual return | 11.11% | 35.28%-24.2pp | 1712.69%-1701.6pp | 35.67%-24.6pp |
| Employer contribution / active EE | $674 | $672+0.4% | $1,042-35.3% | $2,757-75.5% |
| Participant deferral / active EE | $1,079 | $1,229-12.3% | $1,955-44.8% | $4,300-74.9% |
| Admin fee / account holder | $1,502 | $2,434-38.3% | $2,828-46.9% | $6,925-78.3% |