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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 | $32,823 | $106,280-69.1% | $96,538-66.0% | $139,487-76.5% |
| Participation rate | 55.6% | 77.8%-22.3pp | 74.3%-18.8pp | 80.3%-24.8pp |
| Annual return | 24.60% | 38.48%-13.9pp | 35.74%-11.1pp | 373.84%-349.2pp |
| Employer contribution / active EE | $1,548 | $4,107-62.3% | $3,740-58.6% | $4,755-67.4% |
| Participant deferral / active EE | $3,258 | $5,457-40.3% | $4,880-33.3% | $6,713-51.5% |
| Admin fee / account holder | $1,122 | $7,888-85.8% | $6,737-83.3% | $11,407-90.2% |