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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 | $17,911 | $29,736-39.8% | $56,033-68.0% | $80,935-77.9% |
| Participation rate | 60.7% | 41.7%+19.0pp | 52.5%+8.2pp | 67.7%-6.9pp |
| Annual return | 17.89% | 35.28%-17.4pp | 1711.38%-1693.5pp | 35.66%-17.8pp |
| Employer contribution / active EE | $851 | $671+26.7% | $1,041-18.2% | $2,757-69.1% |
| Participant deferral / active EE | $2,303 | $1,228+87.5% | $1,954+17.9% | $4,299-46.4% |
| Admin fee / account holder | $1,267 | $2,434-47.9% | $2,827-55.2% | $6,924-81.7% |