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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 | $29,224 | $110,337-73.5% | $102,383-71.5% | $145,877-80.0% |
| Participation rate | 8.7% | 77.9%-69.2pp | 74.5%-65.8pp | 80.3%-71.6pp |
| Annual return | 17.05% | 24.83%-7.8pp | 24.94%-7.9pp | 551.28%-534.2pp |
| Employer contribution / active EE | $1,228 | $4,216-70.9% | $3,870-68.3% | $4,663-73.7% |
| Participant deferral / active EE | $2,713 | $5,621-51.7% | $5,060-46.4% | $6,691-59.4% |
| Admin fee / account holder | $5,406 | $9,750-44.6% | $8,391-35.6% | $13,402-59.7% |