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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 | $33,129 | $28,624+15.7% | $53,647-38.2% | $82,637-59.9% |
| Participation rate | 31.4% | 47.3%-15.9pp | 56.3%-24.9pp | 68.1%-36.7pp |
| Annual return | 16.92% | 664.98%-648.1pp | 358.33%-341.4pp | 53.51%-36.6pp |
| Employer contribution / active EE | $530 | $637-16.8% | $962-44.9% | $2,552-79.2% |
| Participant deferral / active EE | $1,765 | $1,196+47.5% | $1,813-2.7% | $4,126-57.2% |
| Admin fee / account holder | $1,096 | $2,022-45.8% | $2,460-55.4% | $7,339-85.1% |