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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 | $44,984-65.1% | $85,009-81.5% | $74,546-79.0% |
| Participation rate | 54.6% | 49.4%+5.2pp | 67.5%-12.9pp | 67.2%-12.6pp |
| Annual return | 32.34% | 26.25%+6.1pp | 66.47%-34.1pp | 1366.03%-1333.7pp |
| Employer contribution / active EE | $1,076 | $1,458-26.2% | $2,728-60.6% | $2,624-59.0% |
| Participant deferral / active EE | $2,450 | $2,733-10.4% | $4,522-45.8% | $4,347-43.7% |
| Admin fee / account holder | $810 | $2,208-63.3% | $6,153-86.8% | $1,944-58.3% |