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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 | $43,230 | $29,736+45.4% | $56,033-22.8% | $80,935-46.6% |
| Participation rate | 9.1% | 41.7%-32.6pp | 52.5%-43.4pp | 67.7%-58.6pp |
| Annual return | 14.73% | 35.28%-20.5pp | 1711.38%-1696.7pp | 35.66%-20.9pp |
| Employer contribution / active EE | $481 | $671-28.3% | $1,041-53.8% | $2,757-82.5% |
| Participant deferral / active EE | $1,344 | $1,228+9.4% | $1,954-31.2% | $4,299-68.7% |
| Admin fee / account holder | $546 | $2,434-77.6% | $2,827-80.7% | $6,924-92.1% |