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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 | $30,881 | $29,319+5.3% | $52,425-41.1% | $82,448-62.5% |
| Participation rate | 19.3% | 46.9%-27.5pp | 55.6%-36.3pp | 68.1%-48.7pp |
| Annual return | 21.17% | 535.20%-514.0pp | 302.12%-281.0pp | 41.64%-20.5pp |
| Employer contribution / active EE | $323 | $586-45.0% | $914-64.7% | $2,551-87.3% |
| Participant deferral / active EE | $659 | $1,171-43.7% | $1,790-63.2% | $4,139-84.1% |
| Admin fee / account holder | $1,055 | $1,962-46.3% | $2,495-57.7% | $7,234-85.4% |