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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 | $30,695 | $127,387-75.9% | $115,038-73.3% | $125,389-75.5% |
| Participation rate | 35.7% | 84.2%-48.4pp | 81.4%-45.7pp | 83.2%-47.5pp |
| Annual return | 0.11% | 31.28%-31.2pp | 26.14%-26.0pp | 282.24%-282.1pp |
| Employer contribution / active EE | $914 | $5,166-82.3% | $4,608-80.2% | $4,866-81.2% |
| Participant deferral / active EE | $7,420 | $6,423+15.5% | $6,026+23.1% | $5,352+38.7% |
| Admin fee / account holder | $1,669 | $9,516-82.5% | $8,175-79.6% | $9,541-82.5% |