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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 | $70,910 | $29,667+139.0% | $56,441+25.6% | $80,874-12.3% |
| Participation rate | 11.5% | 41.7%-30.1pp | 52.5%-41.0pp | 67.6%-56.1pp |
| Annual return | 10.88% | 35.22%-24.3pp | 1704.21%-1693.3pp | 35.62%-24.7pp |
| Employer contribution / active EE | $234 | $669-65.1% | $1,039-77.5% | $2,756-91.5% |
| Participant deferral / active EE | $882 | $1,227-28.1% | $1,953-54.8% | $4,297-79.5% |
| Admin fee / account holder | $3,563 | $2,429+46.6% | $2,829+25.9% | $6,935-48.6% |