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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 | $42,622 | $29,716+43.4% | $56,077-24.0% | $80,925-47.3% |
| Participation rate | 25.5% | 41.7%-16.2pp | 52.5%-27.0pp | 67.7%-42.2pp |
| Annual return | 13.25% | 35.30%-22.0pp | 1709.28%-1696.0pp | 35.65%-22.4pp |
| Employer contribution / active EE | $418 | $671-37.7% | $1,040-59.8% | $2,756-84.8% |
| Participant deferral / active EE | $1,362 | $1,228+10.9% | $1,954-30.3% | $4,299-68.3% |
| Admin fee / account holder | $2,162 | $2,432-11.1% | $2,825-23.5% | $6,940-68.8% |