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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 | $25,420 | $124,980-79.7% | $108,359-76.5% | $154,746-83.6% |
| Participation rate | 57.9% | 75.2%-17.3pp | 70.1%-12.2pp | 80.7%-22.8pp |
| Annual return | 16.98% | 45.00%-28.0pp | 36.89%-19.9pp | 172.34%-155.4pp |
| Employer contribution / active EE | $921 | $2,851-67.7% | $2,399-61.6% | $4,379-79.0% |
| Participant deferral / active EE | $3,902 | $4,743-17.7% | $4,137-5.7% | $6,730-42.0% |
| Admin fee / account holder | $1,165 | $11,502-89.9% | $9,741-88.0% | $14,365-91.9% |