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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 | $34,058 | $29,736+14.5% | $56,033-39.2% | $80,935-57.9% |
| Participation rate | 29.4% | 41.7%-12.3pp | 52.5%-23.1pp | 67.7%-38.2pp |
| Annual return | 18.04% | 35.28%-17.2pp | 1711.38%-1693.3pp | 35.66%-17.6pp |
| Employer contribution / active EE | $717 | $671+6.8% | $1,041-31.1% | $2,757-74.0% |
| Participant deferral / active EE | $1,821 | $1,228+48.2% | $1,954-6.8% | $4,299-57.7% |
| Admin fee / account holder | $583 | $2,434-76.0% | $2,827-79.4% | $6,924-91.6% |