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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 | $28,096 | $27,936+0.6% | $58,561-52.0% | $75,173-62.6% |
| Participation rate | 29.0% | 38.8%-9.8pp | 50.9%-21.8pp | 67.2%-38.2pp |
| Annual return | 16.34% | 44.21%-27.9pp | 4251.33%-4235.0pp | 160.72%-144.4pp |
| Employer contribution / active EE | $517 | $670-22.8% | $1,053-50.9% | $2,671-80.7% |
| Participant deferral / active EE | $1,390 | $1,202+15.7% | $1,923-27.7% | $4,126-66.3% |
| Admin fee / account holder | $485 | $1,727-71.9% | $2,520-80.8% | $5,651-91.4% |