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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 | $29,850 | $29,736+0.4% | $56,033-46.7% | $80,935-63.1% |
| Participation rate | 21.3% | 41.7%-20.4pp | 52.5%-31.2pp | 67.7%-46.4pp |
| Annual return | 19.40% | 35.28%-15.9pp | 1711.38%-1692.0pp | 35.66%-16.3pp |
| Employer contribution / active EE | $422 | $671-37.1% | $1,041-59.4% | $2,757-84.7% |
| Participant deferral / active EE | $1,375 | $1,228+11.9% | $1,954-29.7% | $4,299-68.0% |
| Admin fee / account holder | $3,064 | $2,434+25.9% | $2,827+8.4% | $6,924-55.8% |