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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 | $29,670+17.1% | $56,054-38.0% | $80,911-57.1% |
| Participation rate | 10.0% | 41.7%-31.7pp | 52.5%-42.5pp | 67.6%-57.6pp |
| Annual return | 13.59% | 35.24%-21.7pp | 1705.95%-1692.4pp | 35.63%-22.0pp |
| Employer contribution / active EE | $417 | $670-37.8% | $1,039-59.9% | $2,756-84.9% |
| Participant deferral / active EE | $1,064 | $1,227-13.3% | $1,952-45.5% | $4,297-75.2% |
| Admin fee / account holder | $528 | $2,431-78.3% | $2,822-81.3% | $6,935-92.4% |