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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 | $29,716-52.2% | $56,077-74.7% | $80,925-82.5% |
| Participation rate | 41.9% | 41.7%+0.2pp | 52.5%-10.6pp | 67.7%-25.7pp |
| Annual return | 18.14% | 35.30%-17.2pp | 1709.28%-1691.1pp | 35.65%-17.5pp |
| Employer contribution / active EE | $1,003 | $671+49.5% | $1,040-3.6% | $2,756-63.6% |
| Participant deferral / active EE | $1,910 | $1,228+55.5% | $1,954-2.2% | $4,299-55.6% |
| Admin fee / account holder | $557 | $2,432-77.1% | $2,825-80.3% | $6,940-92.0% |