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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 | $18,602 | $110,410-83.2% | $102,437-81.8% | $145,897-87.3% |
| Participation rate | 64.3% | 77.9%-13.6pp | 74.5%-10.2pp | 80.3%-16.0pp |
| Annual return | 14.51% | 24.85%-10.3pp | 24.95%-10.4pp | 552.29%-537.8pp |
| Employer contribution / active EE | $2,318 | $4,217-45.0% | $3,871-40.1% | $4,663-50.3% |
| Participant deferral / active EE | $2,318 | $5,622-58.8% | $5,060-54.2% | $6,689-65.3% |
| Admin fee / account holder | $1,921 | $9,745-80.3% | $8,388-77.1% | $13,390-85.7% |