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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 | $39,518 | $39,028+1.3% | $80,741-51.1% | $85,847-54.0% |
| Participation rate | 18.5% | 41.6%-23.0pp | 54.2%-35.6pp | 69.3%-50.8pp |
| Annual return | 33.70% | 26.31%+7.4pp | 87.30%-53.6pp | 318.61%-284.9pp |
| Employer contribution / active EE | $655 | $722-9.3% | $1,160-43.6% | $2,565-74.5% |
| Participant deferral / active EE | $2,352 | $1,326+77.4% | $2,145+9.6% | $3,952-40.5% |
| Admin fee / account holder | $633 | $2,429-73.9% | $3,380-81.3% | $6,261-89.9% |