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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 | $39,279 | $34,316+14.5% | $74,722-47.4% | $72,975-46.2% |
| Participation rate | 14.6% | 42.4%-27.8pp | 54.5%-39.8pp | 69.5%-54.9pp |
| Annual return | 19.97% | 26.58%-6.6pp | 753.11%-733.1pp | 81.01%-61.0pp |
| Employer contribution / active EE | $285 | $692-58.8% | $1,084-73.7% | $2,440-88.3% |
| Participant deferral / active EE | $636 | $1,272-50.0% | $1,963-67.6% | $3,608-82.4% |
| Admin fee / account holder | $493 | $2,125-76.8% | $3,335-85.2% | $5,124-90.4% |