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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 | $17,783 | $29,667-40.1% | $56,441-68.5% | $80,874-78.0% |
| Participation rate | 40.7% | 41.7%-1.0pp | 52.5%-11.8pp | 67.6%-27.0pp |
| Annual return | 12.45% | 35.22%-22.8pp | 1704.21%-1691.8pp | 35.62%-23.2pp |
| Employer contribution / active EE | $1,342 | $669+100.5% | $1,039+29.2% | $2,756-51.3% |
| Participant deferral / active EE | $629 | $1,227-48.7% | $1,953-67.8% | $4,297-85.4% |
| Admin fee / account holder | $1,246 | $2,429-48.7% | $2,829-56.0% | $6,935-82.0% |