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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 | $34,307 | $29,736+15.4% | $56,033-38.8% | $80,935-57.6% |
| Participation rate | 14.8% | 41.7%-26.9pp | 52.5%-37.7pp | 67.7%-52.8pp |
| Annual return | 12.66% | 35.28%-22.6pp | 1711.38%-1698.7pp | 35.66%-23.0pp |
| Employer contribution / active EE | $339 | $671-49.5% | $1,041-67.4% | $2,757-87.7% |
| Participant deferral / active EE | $728 | $1,228-40.7% | $1,954-62.8% | $4,299-83.1% |
| Admin fee / account holder | $1,072 | $2,434-56.0% | $2,827-62.1% | $6,924-84.5% |