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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 | $29,733+70.4% | $56,025-9.6% | $80,959-37.4% |
| Participation rate | 34.7% | 41.7%-7.0pp | 52.5%-17.8pp | 67.7%-33.0pp |
| Annual return | 10.92% | 35.28%-24.4pp | 1712.69%-1701.8pp | 35.67%-24.7pp |
| Employer contribution / active EE | $413 | $672-38.5% | $1,042-60.3% | $2,757-85.0% |
| Participant deferral / active EE | $1,253 | $1,229+1.9% | $1,955-35.9% | $4,300-70.9% |
| Admin fee / account holder | $3,641 | $2,434+49.6% | $2,828+28.7% | $6,925-47.4% |