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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 | $29,733+43.3% | $56,025-23.9% | $80,959-47.4% |
| Participation rate | 25.5% | 41.7%-16.2pp | 52.5%-27.0pp | 67.7%-42.2pp |
| Annual return | 13.25% | 35.28%-22.0pp | 1712.69%-1699.4pp | 35.67%-22.4pp |
| Employer contribution / active EE | $418 | $672-37.7% | $1,042-59.8% | $2,757-84.8% |
| Participant deferral / active EE | $1,362 | $1,229+10.8% | $1,955-30.3% | $4,300-68.3% |
| Admin fee / account holder | $2,162 | $2,434-11.2% | $2,828-23.6% | $6,925-68.8% |