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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 | $18,094 | $29,736-39.2% | $56,033-67.7% | $80,935-77.6% |
| Participation rate | 32.0% | 41.7%-9.7pp | 52.5%-20.5pp | 67.7%-35.7pp |
| Annual return | 14.51% | 35.28%-20.8pp | 1711.38%-1696.9pp | 35.66%-21.1pp |
| Employer contribution / active EE | $701 | $671+4.4% | $1,041-32.7% | $2,757-74.6% |
| Participant deferral / active EE | $1,468 | $1,228+19.5% | $1,954-24.9% | $4,299-65.9% |
| Admin fee / account holder | $1,128 | $2,434-53.6% | $2,827-60.1% | $6,924-83.7% |