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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 | $17,965 | $106,280-83.1% | $96,538-81.4% | $139,487-87.1% |
| Participation rate | 63.6% | 77.8%-14.2pp | 74.3%-10.7pp | 80.3%-16.7pp |
| Annual return | 17.34% | 38.48%-21.1pp | 35.74%-18.4pp | 373.84%-356.5pp |
| Employer contribution / active EE | $2,025 | $4,107-50.7% | $3,740-45.9% | $4,755-57.4% |
| Participant deferral / active EE | $6,424 | $5,457+17.7% | $4,880+31.6% | $6,713-4.3% |
| Admin fee / account holder | $706 | $7,888-91.0% | $6,737-89.5% | $11,407-93.8% |