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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 | $40,151 | $27,943+43.7% | $58,507-31.4% | $75,177-46.6% |
| Participation rate | 36.2% | 38.8%-2.7pp | 50.9%-14.7pp | 67.2%-31.0pp |
| Annual return | 24.66% | 44.22%-19.6pp | 4252.32%-4227.7pp | 160.75%-136.1pp |
| Employer contribution / active EE | $582 | $670-13.1% | $1,053-44.8% | $2,671-78.2% |
| Participant deferral / active EE | $2,305 | $1,202+91.8% | $1,922+19.9% | $4,126-44.1% |
| Admin fee / account holder | $308 | $1,727-82.2% | $2,486-87.6% | $5,651-94.6% |