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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 | $14,190 | $29,733-52.3% | $56,025-74.7% | $80,959-82.5% |
| Participation rate | 41.9% | 41.7%+0.2pp | 52.5%-10.6pp | 67.7%-25.7pp |
| Annual return | 18.14% | 35.28%-17.1pp | 1712.69%-1694.5pp | 35.67%-17.5pp |
| Employer contribution / active EE | $1,003 | $672+49.3% | $1,042-3.7% | $2,757-63.6% |
| Participant deferral / active EE | $1,910 | $1,229+55.4% | $1,955-2.3% | $4,300-55.6% |
| Admin fee / account holder | $557 | $2,434-77.1% | $2,828-80.3% | $6,925-92.0% |