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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 | $22,842 | $106,280-78.5% | $96,538-76.3% | $139,487-83.6% |
| Participation rate | 58.8% | 77.8%-19.0pp | 74.3%-15.5pp | 80.3%-21.5pp |
| Annual return | 21.32% | 38.48%-17.2pp | 35.74%-14.4pp | 373.84%-352.5pp |
| Employer contribution / active EE | $1,227 | $4,107-70.1% | $3,740-67.2% | $4,755-74.2% |
| Participant deferral / active EE | $2,460 | $5,457-54.9% | $4,880-49.6% | $6,713-63.4% |
| Admin fee / account holder | $524 | $7,888-93.4% | $6,737-92.2% | $11,407-95.4% |