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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 | $57,821 | $100,811-42.6% | $86,698-33.3% | $134,545-57.0% |
| Participation rate | 60.0% | 79.0%-19.0pp | 76.6%-16.6pp | 81.2%-21.2pp |
| Annual return | 13.02% | 29.11%-16.1pp | 35.96%-22.9pp | 418.37%-405.3pp |
| Employer contribution / active EE | $1,136 | $3,490-67.5% | $2,837-60.0% | $4,742-76.0% |
| Participant deferral / active EE | $3,125 | $5,339-41.5% | $4,656-32.9% | $6,401-51.2% |
| Admin fee / account holder | $4,407 | $10,926-59.7% | $7,492-41.2% | $11,431-61.4% |