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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 | $22,435 | $110,212-79.6% | $96,534-76.8% | $139,466-83.9% |
| Participation rate | 42.9% | 78.1%-35.3pp | 76.0%-33.1pp | 80.3%-37.5pp |
| Annual return | 24.58% | 26.42%-1.8pp | 25.88%-1.3pp | 373.66%-349.1pp |
| Employer contribution / active EE | $967 | $3,620-73.3% | $2,965-67.4% | $4,754-79.7% |
| Participant deferral / active EE | $2,096 | $5,547-62.2% | $4,851-56.8% | $6,712-68.8% |
| Admin fee / account holder | $940 | $11,599-91.9% | $8,253-88.6% | $11,409-91.8% |