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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 | $25,733 | $110,337-76.7% | $102,383-74.9% | $145,877-82.4% |
| Participation rate | 37.5% | 77.9%-40.4pp | 74.5%-37.0pp | 80.3%-42.8pp |
| Annual return | 18.48% | 24.83%-6.4pp | 24.94%-6.5pp | 551.28%-532.8pp |
| Employer contribution / active EE | $1,798 | $4,216-57.4% | $3,870-53.6% | $4,663-61.5% |
| Participant deferral / active EE | $3,663 | $5,621-34.8% | $5,060-27.6% | $6,691-45.3% |
| Admin fee / account holder | $306 | $9,750-96.9% | $8,391-96.4% | $13,402-97.7% |