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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 | $30,790 | $106,247-71.0% | $96,515-68.1% | $139,466-77.9% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 17.17% | 38.47%-21.3pp | 35.73%-18.6pp | 373.66%-356.5pp |
| Employer contribution / active EE | $1,375 | $4,106-66.5% | $3,740-63.2% | $4,754-71.1% |
| Participant deferral / active EE | $3,311 | $5,456-39.3% | $4,880-32.1% | $6,712-50.7% |
| Admin fee / account holder | $1,325 | $7,885-83.2% | $6,735-80.3% | $11,409-88.4% |