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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 | $60,077 | $97,125-38.1% | $86,233-30.3% | $137,256-56.2% |
| Participation rate | 29.2% | 74.2%-45.0pp | 69.0%-39.9pp | 80.0%-50.8pp |
| Annual return | 14.98% | 74.19%-59.2pp | 61.39%-46.4pp | 220.34%-205.4pp |
| Employer contribution / active EE | $668 | $2,841-76.5% | $2,504-73.3% | $4,156-83.9% |
| Participant deferral / active EE | $1,544 | $5,180-70.2% | $4,559-66.1% | $6,407-75.9% |
| Admin fee / account holder | $1,737 | $9,725-82.1% | $8,342-79.2% | $12,270-85.8% |