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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 | $35,121 | $100,901-65.2% | $75,501-53.5% | $147,586-76.2% |
| Participation rate | 69.6% | 77.1%-7.6pp | 72.4%-2.8pp | 82.8%-13.3pp |
| Annual return | 22.09% | 35.78%-13.7pp | 27.35%-5.3pp | 578.59%-556.5pp |
| Employer contribution / active EE | $2,266 | $3,253-30.3% | $2,352-3.6% | $4,876-53.5% |
| Participant deferral / active EE | $5,058 | $4,027+25.6% | $3,142+60.9% | $5,439-7.0% |
| Admin fee / account holder | $674 | $11,285-94.0% | $5,801-88.4% | $10,886-93.8% |