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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 | $15,687 | $45,123-65.2% | $85,240-81.6% | $74,478-78.9% |
| Participation rate | 54.6% | 49.4%+5.3pp | 67.5%-12.9pp | 67.2%-12.6pp |
| Annual return | 32.34% | 26.32%+6.0pp | 66.75%-34.4pp | 1370.56%-1338.2pp |
| Employer contribution / active EE | $1,076 | $1,459-26.3% | $2,735-60.7% | $2,626-59.0% |
| Participant deferral / active EE | $2,450 | $2,736-10.5% | $4,527-45.9% | $4,350-43.7% |
| Admin fee / account holder | $810 | $2,215-63.4% | $6,165-86.9% | $1,946-58.4% |