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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 | $28,685 | $135,956-78.9% | $123,894-76.8% | $273,972-89.5% |
| Participation rate | 63.2% | 84.1%-20.9pp | 81.4%-18.3pp | 83.0%-19.9pp |
| Annual return | 5.83% | 56.63%-50.8pp | 47.52%-41.7pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,119 | $5,170-78.3% | $4,617-75.8% | $4,869-77.0% |
| Participant deferral / active EE | $3,165 | $6,343-50.1% | $5,984-47.1% | $5,287-40.1% |
| Admin fee / account holder | $2,420 | $9,817-75.3% | $8,357-71.0% | $10,133-76.1% |