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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 | $34,749 | $29,733+16.9% | $56,025-38.0% | $80,959-57.1% |
| Participation rate | 10.0% | 41.7%-31.7pp | 52.5%-42.5pp | 67.7%-57.7pp |
| Annual return | 13.59% | 35.28%-21.7pp | 1712.69%-1699.1pp | 35.67%-22.1pp |
| Employer contribution / active EE | $417 | $672-38.0% | $1,042-60.0% | $2,757-84.9% |
| Participant deferral / active EE | $1,064 | $1,229-13.5% | $1,955-45.6% | $4,300-75.3% |
| Admin fee / account holder | $528 | $2,434-78.3% | $2,828-81.3% | $6,925-92.4% |