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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 | $28,848 | $29,736-3.0% | $56,033-48.5% | $80,935-64.4% |
| Participation rate | 22.9% | 41.7%-18.8pp | 52.5%-29.6pp | 67.7%-44.8pp |
| Annual return | 17.45% | 35.28%-17.8pp | 1711.38%-1693.9pp | 35.66%-18.2pp |
| Employer contribution / active EE | $996 | $671+48.3% | $1,041-4.3% | $2,757-63.9% |
| Participant deferral / active EE | $1,112 | $1,228-9.5% | $1,954-43.1% | $4,299-74.1% |
| Admin fee / account holder | $5,607 | $2,434+130.4% | $2,827+98.3% | $6,924-19.0% |