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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 | $58,580 | $30,732+90.6% | $59,496-1.5% | $59,633-1.8% |
| Participation rate | 23.8% | 43.2%-19.5pp | 54.6%-30.8pp | 68.7%-44.9pp |
| Annual return | 1.52% | 4.47%-2.9pp | 182.05%-180.5pp | 2041.45%-2039.9pp |
| Employer contribution / active EE | $432 | $631-31.5% | $1,153-62.5% | $2,203-80.4% |
| Participant deferral / active EE | $823 | $1,183-30.4% | $1,829-55.0% | $3,192-74.2% |
| Admin fee / account holder | $941 | $2,136-55.9% | $2,232-57.8% | $4,297-78.1% |