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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 | $29,716+16.9% | $56,077-38.0% | $80,925-57.1% |
| Participation rate | 10.0% | 41.7%-31.7pp | 52.5%-42.5pp | 67.7%-57.7pp |
| Annual return | 13.59% | 35.30%-21.7pp | 1709.28%-1695.7pp | 35.65%-22.1pp |
| Employer contribution / active EE | $417 | $671-37.9% | $1,040-60.0% | $2,756-84.9% |
| Participant deferral / active EE | $1,064 | $1,228-13.4% | $1,954-45.6% | $4,299-75.3% |
| Admin fee / account holder | $528 | $2,432-78.3% | $2,825-81.3% | $6,940-92.4% |