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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 | $31,744 | $105,864-70.0% | $90,162-64.8% | $147,585-78.5% |
| Participation rate | 66.7% | 79.7%-13.1pp | 76.9%-10.2pp | 82.8%-16.2pp |
| Annual return | 24.38% | 37.63%-13.2pp | 34.88%-10.5pp | 578.57%-554.2pp |
| Employer contribution / active EE | $1,777 | $4,126-56.9% | $3,318-46.5% | $4,876-63.6% |
| Participant deferral / active EE | $5,035 | $5,733-12.2% | $5,287-4.8% | $5,439-7.4% |
| Admin fee / account holder | $1,187 | $8,046-85.2% | $5,943-80.0% | $10,885-89.1% |