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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 | $67,082 | $67,823-1.1% | $52,425+28.0% | $137,256-51.1% |
| Participation rate | 28.6% | 63.9%-35.3pp | 55.6%-27.1pp | 80.0%-51.4pp |
| Annual return | 23.08% | 219.11%-196.0pp | 302.12%-279.0pp | 220.34%-197.3pp |
| Employer contribution / active EE | $450 | $1,163-61.3% | $914-50.8% | $4,156-89.2% |
| Participant deferral / active EE | $4,248 | $2,288+85.7% | $1,790+137.3% | $6,407-33.7% |
| Admin fee / account holder | $473 | $2,844-83.4% | $2,495-81.1% | $12,270-96.1% |