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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 | $16,875 | $29,736-43.2% | $56,033-69.9% | $80,935-79.1% |
| Participation rate | 66.7% | 41.7%+25.0pp | 52.5%+14.2pp | 67.7%-1.0pp |
| Annual return | 13.27% | 35.28%-22.0pp | 1711.38%-1698.1pp | 35.66%-22.4pp |
| Employer contribution / active EE | $3,636 | $671+441.6% | $1,041+249.4% | $2,757+31.9% |
| Participant deferral / active EE | $1,453 | $1,228+18.3% | $1,954-25.6% | $4,299-66.2% |
| Admin fee / account holder | $391 | $2,434-83.9% | $2,827-86.2% | $6,924-94.4% |