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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 | $22,735 | $110,212-79.4% | $96,534-76.4% | $139,466-83.7% |
| Participation rate | 57.1% | 78.1%-21.0pp | 76.0%-18.8pp | 80.3%-23.2pp |
| Annual return | 12.62% | 26.42%-13.8pp | 25.88%-13.3pp | 373.66%-361.0pp |
| Employer contribution / active EE | $2,432 | $3,620-32.8% | $2,965-18.0% | $4,754-48.8% |
| Participant deferral / active EE | $4,879 | $5,547-12.0% | $4,851+0.6% | $6,712-27.3% |
| Admin fee / account holder | $1,261 | $11,599-89.1% | $8,253-84.7% | $11,409-88.9% |