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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 | $23,924 | $110,410-78.3% | $102,437-76.6% | $145,897-83.6% |
| Participation rate | 61.5% | 77.9%-16.4pp | 74.5%-13.0pp | 80.3%-18.8pp |
| Annual return | 15.17% | 24.85%-9.7pp | 24.95%-9.8pp | 552.29%-537.1pp |
| Employer contribution / active EE | $3,629 | $4,217-14.0% | $3,871-6.2% | $4,663-22.2% |
| Participant deferral / active EE | $6,424 | $5,622+14.3% | $5,060+27.0% | $6,689-4.0% |
| Admin fee / account holder | $631 | $9,745-93.5% | $8,388-92.5% | $13,390-95.3% |