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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 | $36,144 | $29,716+21.6% | $56,077-35.5% | $80,925-55.3% |
| Participation rate | 26.6% | 41.7%-15.1pp | 52.5%-25.9pp | 67.7%-41.1pp |
| Annual return | 14.96% | 35.30%-20.3pp | 1709.28%-1694.3pp | 35.65%-20.7pp |
| Employer contribution / active EE | $623 | $671-7.1% | $1,040-40.1% | $2,756-77.4% |
| Participant deferral / active EE | $2,304 | $1,228+87.6% | $1,954+17.9% | $4,299-46.4% |
| Admin fee / account holder | $589 | $2,432-75.8% | $2,825-79.1% | $6,940-91.5% |