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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 | $29,972 | $29,716+0.9% | $56,077-46.6% | $80,925-63.0% |
| Participation rate | 34.1% | 41.7%-7.6pp | 52.5%-18.4pp | 67.7%-33.5pp |
| Annual return | 15.31% | 35.30%-20.0pp | 1709.28%-1694.0pp | 35.65%-20.3pp |
| Employer contribution / active EE | $535 | $671-20.2% | $1,040-48.5% | $2,756-80.6% |
| Participant deferral / active EE | $1,662 | $1,228+35.3% | $1,954-14.9% | $4,299-61.3% |
| Admin fee / account holder | $681 | $2,432-72.0% | $2,825-75.9% | $6,940-90.2% |