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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 | $27,189 | $106,247-74.4% | $96,515-71.8% | $139,466-80.5% |
| Participation rate | 68.8% | 77.8%-9.1pp | 74.3%-5.6pp | 80.3%-11.6pp |
| Annual return | 16.29% | 38.47%-22.2pp | 35.73%-19.4pp | 373.66%-357.4pp |
| Employer contribution / active EE | $6,238 | $4,106+51.9% | $3,740+66.8% | $4,754+31.2% |
| Participant deferral / active EE | $3,861 | $5,456-29.2% | $4,880-20.9% | $6,712-42.5% |
| Admin fee / account holder | $778 | $7,885-90.1% | $6,735-88.4% | $11,409-93.2% |