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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 | $24,950 | $102,828-75.7% | $105,387-76.3% | $152,909-83.7% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.6%-25.4pp | 82.5%-25.3pp |
| Annual return | 23.38% | 20.85%+2.5pp | 26.82%-3.4pp | 345.46%-322.1pp |
| Employer contribution / active EE | $1,764 | $4,473-60.6% | $4,213-58.1% | $4,764-63.0% |
| Participant deferral / active EE | $4,006 | $5,465-26.7% | $5,502-27.2% | $5,851-31.5% |
| Admin fee / account holder | $998 | $8,683-88.5% | $6,559-84.8% | $11,601-91.4% |