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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 | $37,871 | $29,716+27.4% | $56,077-32.5% | $80,925-53.2% |
| Participation rate | 22.6% | 41.7%-19.1pp | 52.5%-29.9pp | 67.7%-45.1pp |
| Annual return | 15.25% | 35.30%-20.1pp | 1709.28%-1694.0pp | 35.65%-20.4pp |
| Employer contribution / active EE | $476 | $671-29.0% | $1,040-54.2% | $2,756-82.7% |
| Participant deferral / active EE | $1,975 | $1,228+60.8% | $1,954+1.1% | $4,299-54.1% |
| Admin fee / account holder | $1,408 | $2,432-42.1% | $2,825-50.2% | $6,940-79.7% |