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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 | $29,667+54.0% | $56,441-19.1% | $80,874-43.5% |
| Participation rate | 11.9% | 41.7%-29.8pp | 52.5%-40.6pp | 67.6%-55.7pp |
| Annual return | 16.78% | 35.22%-18.4pp | 1704.21%-1687.4pp | 35.62%-18.8pp |
| Employer contribution / active EE | $230 | $669-65.6% | $1,039-77.8% | $2,756-91.6% |
| Participant deferral / active EE | $904 | $1,227-26.3% | $1,953-53.7% | $4,297-79.0% |
| Admin fee / account holder | $1,729 | $2,429-28.8% | $2,829-38.9% | $6,935-75.1% |