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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 | $34,684 | $110,303-68.6% | $95,759-63.8% | $139,487-75.1% |
| Participation rate | 66.7% | 75.7%-9.1pp | 72.3%-5.6pp | 80.3%-13.7pp |
| Annual return | 21.47% | 27.19%-5.7pp | 28.42%-7.0pp | 373.84%-352.4pp |
| Employer contribution / active EE | $1,464 | $3,261-55.1% | $2,836-48.4% | $4,755-69.2% |
| Participant deferral / active EE | $3,155 | $4,674-32.5% | $4,244-25.7% | $6,713-53.0% |
| Admin fee / account holder | $310 | $6,615-95.3% | $5,678-94.5% | $11,407-97.3% |