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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 | $27,367 | $73,955-63.0% | $96,520-71.6% | $75,181-63.6% |
| Participation rate | 65.7% | 66.4%-0.7pp | 74.3%-8.6pp | 67.2%-1.5pp |
| Annual return | 19.01% | 26.72%-7.7pp | 35.72%-16.7pp | 160.69%-141.7pp |
| Employer contribution / active EE | $1,134 | $2,930-61.3% | $3,739-69.7% | $2,671-57.5% |
| Participant deferral / active EE | $2,126 | $3,659-41.9% | $4,879-56.4% | $4,126-48.5% |
| Admin fee / account holder | $728 | $5,217-86.0% | $6,733-89.2% | $5,650-87.1% |