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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 | $24,869 | $65,361-62.0% | $92,903-73.2% | $72,983-65.9% |
| Participation rate | 36.8% | 68.3%-31.5pp | 76.0%-39.2pp | 69.5%-32.6pp |
| Annual return | 32.87% | 42.11%-9.2pp | 109.43%-76.6pp | 81.01%-48.1pp |
| Employer contribution / active EE | $734 | $2,594-71.7% | $3,653-79.9% | $2,440-69.9% |
| Participant deferral / active EE | $2,269 | $3,128-27.5% | $4,238-46.5% | $3,608-37.1% |
| Admin fee / account holder | $5,659 | $4,251+33.1% | $5,795-2.3% | $5,124+10.4% |