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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 | $25,963 | $103,393-74.9% | $87,103-70.2% | $152,909-83.0% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.9%-10.2pp | 82.5%-15.8pp |
| Annual return | 23.00% | 28.10%-5.1pp | 28.19%-5.2pp | 345.46%-322.5pp |
| Employer contribution / active EE | $1,601 | $3,221-50.3% | $2,521-36.5% | $4,764-66.4% |
| Participant deferral / active EE | $4,336 | $4,778-9.3% | $4,049+7.1% | $5,851-25.9% |
| Admin fee / account holder | $544 | $12,195-95.5% | $7,491-92.7% | $11,601-95.3% |