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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 | $34,702 | $29,733+16.7% | $56,025-38.1% | $80,959-57.1% |
| Participation rate | 23.3% | 41.7%-18.4pp | 52.5%-29.2pp | 67.7%-44.4pp |
| Annual return | 25.19% | 35.28%-10.1pp | 1712.69%-1687.5pp | 35.67%-10.5pp |
| Employer contribution / active EE | $806 | $672+19.9% | $1,042-22.7% | $2,757-70.8% |
| Participant deferral / active EE | $1,402 | $1,229+14.0% | $1,955-28.3% | $4,300-67.4% |
| Admin fee / account holder | $1,354 | $2,434-44.4% | $2,828-52.1% | $6,925-80.5% |