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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 | $78,883 | $29,716+165.5% | $56,077+40.7% | $80,925-2.5% |
| Participation rate | 23.1% | 41.7%-18.6pp | 52.5%-29.4pp | 67.7%-44.6pp |
| Annual return | 18.97% | 35.30%-16.3pp | 1709.28%-1690.3pp | 35.65%-16.7pp |
| Employer contribution / active EE | $304 | $671-54.8% | $1,040-70.8% | $2,756-89.0% |
| Participant deferral / active EE | $717 | $1,228-41.6% | $1,954-63.3% | $4,299-83.3% |
| Admin fee / account holder | $2,621 | $2,432+7.8% | $2,825-7.2% | $6,940-62.2% |