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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 | $40,833 | $29,051+40.6% | $52,425-22.1% | $67,986-39.9% |
| Participation rate | 21.4% | 30.4%-9.0pp | 55.6%-34.2pp | 57.2%-35.8pp |
| Annual return | 20.85% | 24.00%-3.1pp | 302.12%-281.3pp | 31.67%-10.8pp |
| Employer contribution / active EE | $220 | $412-46.6% | $914-75.9% | $2,019-89.1% |
| Participant deferral / active EE | $526 | $873-39.7% | $1,790-70.6% | $3,358-84.3% |
| Admin fee / account holder | $733 | $2,113-65.3% | $2,495-70.6% | $3,203-77.1% |