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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 | $32,902 | $30,437+8.1% | $56,033-41.3% | $74,459-55.8% |
| Participation rate | 20.4% | 32.9%-12.5pp | 52.5%-32.1pp | 67.2%-46.8pp |
| Annual return | 15.94% | 24.96%-9.0pp | 1711.38%-1695.4pp | 1369.70%-1353.8pp |
| Employer contribution / active EE | $491 | $610-19.5% | $1,041-52.8% | $2,626-81.3% |
| Participant deferral / active EE | $629 | $1,176-46.5% | $1,954-67.8% | $4,350-85.5% |
| Admin fee / account holder | $2,523 | $2,363+6.8% | $2,827-10.8% | $1,945+29.7% |