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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 | $52,724 | $29,736+77.3% | $56,033-5.9% | $80,935-34.9% |
| Participation rate | 32.4% | 41.7%-9.3pp | 52.5%-20.1pp | 67.7%-35.2pp |
| Annual return | 13.88% | 35.28%-21.4pp | 1711.38%-1697.5pp | 35.66%-21.8pp |
| Employer contribution / active EE | $578 | $671-13.9% | $1,041-44.5% | $2,757-79.0% |
| Participant deferral / active EE | $1,494 | $1,228+21.6% | $1,954-23.5% | $4,299-65.3% |
| Admin fee / account holder | $3,946 | $2,434+62.1% | $2,827+39.6% | $6,924-43.0% |