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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 | $30,896 | $29,736+3.9% | $56,033-44.9% | $80,935-61.8% |
| Participation rate | 37.2% | 41.7%-4.5pp | 52.5%-15.3pp | 67.7%-30.5pp |
| Annual return | 15.63% | 35.28%-19.6pp | 1711.38%-1695.7pp | 35.66%-20.0pp |
| Employer contribution / active EE | $587 | $671-12.6% | $1,041-43.6% | $2,757-78.7% |
| Participant deferral / active EE | $1,490 | $1,228+21.3% | $1,954-23.7% | $4,299-65.3% |
| Admin fee / account holder | $4,473 | $2,434+83.8% | $2,827+58.2% | $6,924-35.4% |