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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 | $54,375 | $29,733+82.9% | $56,025-2.9% | $80,959-32.8% |
| Participation rate | 31.0% | 41.7%-10.8pp | 52.5%-21.6pp | 67.7%-36.7pp |
| Annual return | 22.47% | 35.28%-12.8pp | 1712.69%-1690.2pp | 35.67%-13.2pp |
| Employer contribution / active EE | $732 | $672+9.0% | $1,042-29.7% | $2,757-73.4% |
| Participant deferral / active EE | $2,082 | $1,229+69.3% | $1,955+6.5% | $4,300-51.6% |
| Admin fee / account holder | $2,461 | $2,434+1.1% | $2,828-13.0% | $6,925-64.5% |