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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 | $33,431 | $111,814-70.1% | $103,374-67.7% | $145,959-77.1% |
| Participation rate | 36.8% | 77.9%-41.1pp | 74.5%-37.7pp | 80.3%-43.4pp |
| Annual return | 16.86% | 24.77%-7.9pp | 24.89%-8.0pp | 561.95%-545.1pp |
| Employer contribution / active EE | $1,484 | $4,214-64.8% | $3,869-61.7% | $4,661-68.2% |
| Participant deferral / active EE | $4,399 | $5,618-21.7% | $5,058-13.0% | $6,689-34.2% |
| Admin fee / account holder | $1,601 | $9,754-83.6% | $8,394-80.9% | $13,398-88.0% |