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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 | $28,569 | $129,737-78.0% | $119,126-76.0% | $154,746-81.5% |
| Participation rate | 68.2% | 78.9%-10.7pp | 75.8%-7.6pp | 80.7%-12.5pp |
| Annual return | 19.49% | 379.08%-359.6pp | 282.11%-262.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $1,706 | $4,375-61.0% | $4,034-57.7% | $4,379-61.0% |
| Participant deferral / active EE | $2,827 | $5,842-51.6% | $5,318-46.8% | $6,730-58.0% |
| Admin fee / account holder | $687 | $11,961-94.3% | $10,693-93.6% | $14,365-95.2% |