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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 | $51,056 | $29,733+71.7% | $56,025-8.9% | $80,959-36.9% |
| Participation rate | 18.6% | 41.7%-23.2pp | 52.5%-33.9pp | 67.7%-49.1pp |
| Annual return | 12.30% | 35.28%-23.0pp | 1712.69%-1700.4pp | 35.67%-23.4pp |
| Employer contribution / active EE | $405 | $672-39.8% | $1,042-61.2% | $2,757-85.3% |
| Participant deferral / active EE | $1,242 | $1,229+1.0% | $1,955-36.5% | $4,300-71.1% |
| Admin fee / account holder | $2,182 | $2,434-10.3% | $2,828-22.9% | $6,925-68.5% |