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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 | $44,680 | $29,716+50.4% | $56,077-20.3% | $80,925-44.8% |
| Participation rate | 22.8% | 41.7%-18.9pp | 52.5%-29.7pp | 67.7%-44.9pp |
| Annual return | 11.07% | 35.30%-24.2pp | 1709.28%-1698.2pp | 35.65%-24.6pp |
| Employer contribution / active EE | $370 | $671-44.8% | $1,040-64.4% | $2,756-86.6% |
| Participant deferral / active EE | $1,496 | $1,228+21.7% | $1,954-23.5% | $4,299-65.2% |
| Admin fee / account holder | $1,579 | $2,432-35.1% | $2,825-44.1% | $6,940-77.2% |