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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 | $33,563 | $29,716+12.9% | $56,077-40.1% | $80,925-58.5% |
| Participation rate | 16.0% | 41.7%-25.7pp | 52.5%-36.5pp | 67.7%-51.7pp |
| Annual return | 16.07% | 35.30%-19.2pp | 1709.28%-1693.2pp | 35.65%-19.6pp |
| Employer contribution / active EE | $388 | $671-42.2% | $1,040-62.7% | $2,756-85.9% |
| Participant deferral / active EE | $1,178 | $1,228-4.1% | $1,954-39.7% | $4,299-72.6% |
| Admin fee / account holder | $1,017 | $2,432-58.2% | $2,825-64.0% | $6,940-85.3% |