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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 | $33,293 | $37,446-11.1% | $77,513-57.0% | $79,852-58.3% |
| Participation rate | 32.1% | 41.5%-9.4pp | 54.2%-22.0pp | 69.6%-37.5pp |
| Annual return | 1916.26% | 39.76%+1876.5pp | 54.81%+1861.4pp | 31.72%+1884.5pp |
| Employer contribution / active EE | $356 | $637-44.2% | $987-64.0% | $2,471-85.6% |
| Participant deferral / active EE | $1,486 | $1,261+17.9% | $1,861-20.2% | $3,740-60.3% |
| Admin fee / account holder | $446 | $2,506-82.2% | $2,859-84.4% | $5,306-91.6% |