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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 | $47,829 | $29,733+60.9% | $56,025-14.6% | $80,959-40.9% |
| Participation rate | 20.0% | 41.7%-21.7pp | 52.5%-32.5pp | 67.7%-47.7pp |
| Annual return | 15.37% | 35.28%-19.9pp | 1712.69%-1697.3pp | 35.67%-20.3pp |
| Employer contribution / active EE | $662 | $672-1.5% | $1,042-36.5% | $2,757-76.0% |
| Participant deferral / active EE | $2,339 | $1,229+90.3% | $1,955+19.7% | $4,300-45.6% |
| Admin fee / account holder | $331 | $2,434-86.4% | $2,828-88.3% | $6,925-95.2% |