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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 | $45,680 | $29,716+53.7% | $56,077-18.5% | $80,925-43.6% |
| Participation rate | 11.9% | 41.7%-29.8pp | 52.5%-40.6pp | 67.7%-55.8pp |
| Annual return | 16.78% | 35.30%-18.5pp | 1709.28%-1692.5pp | 35.65%-18.9pp |
| Employer contribution / active EE | $230 | $671-65.7% | $1,040-77.9% | $2,756-91.6% |
| Participant deferral / active EE | $904 | $1,228-26.4% | $1,954-53.7% | $4,299-79.0% |
| Admin fee / account holder | $1,729 | $2,432-28.9% | $2,825-38.8% | $6,940-75.1% |