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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 | $34,059 | $31,679+7.5% | $74,723-54.4% | $65,186-47.8% |
| Participation rate | 36.0% | 40.4%-4.3pp | 54.5%-18.4pp | 70.2%-34.2pp |
| Annual return | 25.84% | 39.04%-13.2pp | 753.18%-727.3pp | 29.39%-3.5pp |
| Employer contribution / active EE | $607 | $566+7.3% | $1,084-44.0% | $2,177-72.1% |
| Participant deferral / active EE | $1,043 | $1,191-12.4% | $1,962-46.8% | $3,514-70.3% |
| Admin fee / account holder | $333 | $379-12.1% | $3,335-90.0% | $847-60.7% |