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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 | $29,733+165.3% | $56,025+40.8% | $80,959-2.6% |
| Participation rate | 23.1% | 41.7%-18.6pp | 52.5%-29.4pp | 67.7%-44.6pp |
| Annual return | 18.97% | 35.28%-16.3pp | 1712.69%-1693.7pp | 35.67%-16.7pp |
| Employer contribution / active EE | $304 | $672-54.8% | $1,042-70.9% | $2,757-89.0% |
| Participant deferral / active EE | $717 | $1,229-41.7% | $1,955-63.3% | $4,300-83.3% |
| Admin fee / account holder | $2,621 | $2,434+7.7% | $2,828-7.3% | $6,925-62.2% |