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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 | $36,797 | $38,460-4.3% | $97,032-62.1% | $65,191-43.6% |
| Participation rate | 13.1% | 23.6%-10.5pp | 71.6%-58.4pp | 63.0%-49.9pp |
| Annual return | 17.71% | 78.38%-60.7pp | 35.38%-17.7pp | 51.24%-33.5pp |
| Employer contribution / active EE | $369 | $532-30.5% | $2,629-86.0% | $2,400-84.6% |
| Participant deferral / active EE | $399 | $957-58.3% | $4,672-91.5% | $2,671-85.1% |
| Admin fee / account holder | $6,599 | $2,414+173.4% | $9,418-29.9% | $907+627.7% |