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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 | $39,930 | $108,882-63.3% | $96,754-58.7% | $154,746-74.2% |
| Participation rate | 36.4% | 75.1%-38.7pp | 70.3%-33.9pp | 80.7%-44.3pp |
| Annual return | 19.46% | 98.39%-78.9pp | 82.04%-62.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $463 | $3,018-84.6% | $2,679-82.7% | $4,379-89.4% |
| Participant deferral / active EE | $1,603 | $5,323-69.9% | $4,758-66.3% | $6,730-76.2% |
| Admin fee / account holder | $1,378 | $10,200-86.5% | $8,905-84.5% | $14,365-90.4% |