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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 | $31,182 | $88,672-64.8% | $105,223-70.4% | $82,448-62.2% |
| Participation rate | 66.7% | 67.9%-1.3pp | 75.0%-8.4pp | 68.1%-1.4pp |
| Annual return | 20.10% | 30.86%-10.8pp | 180.65%-160.5pp | 41.64%-21.5pp |
| Employer contribution / active EE | $1,574 | $3,048-48.4% | $3,689-57.3% | $2,551-38.3% |
| Participant deferral / active EE | $2,368 | $4,036-41.3% | $5,072-53.3% | $4,139-42.8% |
| Admin fee / account holder | $1,500 | $7,146-79.0% | $8,859-83.1% | $7,234-79.3% |