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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 | $50,657 | $29,716+70.5% | $56,077-9.7% | $80,925-37.4% |
| Participation rate | 34.7% | 41.7%-7.0pp | 52.5%-17.8pp | 67.7%-33.0pp |
| Annual return | 10.92% | 35.30%-24.4pp | 1709.28%-1698.4pp | 35.65%-24.7pp |
| Employer contribution / active EE | $413 | $671-38.4% | $1,040-60.3% | $2,756-85.0% |
| Participant deferral / active EE | $1,253 | $1,228+2.0% | $1,954-35.9% | $4,299-70.9% |
| Admin fee / account holder | $3,641 | $2,432+49.7% | $2,825+28.9% | $6,940-47.5% |