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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 | $23,500 | $127,779-81.6% | $106,551-77.9% | $167,518-86.0% |
| Participation rate | 66.7% | 78.3%-11.6pp | 76.1%-9.5pp | 82.1%-15.4pp |
| Annual return | 12.98% | 33.87%-20.9pp | 26.80%-13.8pp | 478.71%-465.7pp |
| Employer contribution / active EE | $1,173 | $3,427-65.8% | $2,819-58.4% | $4,838-75.8% |
| Participant deferral / active EE | $3,733 | $5,088-26.6% | $4,398-15.1% | $6,342-41.1% |
| Admin fee / account holder | $677 | $11,228-94.0% | $7,408-90.9% | $12,312-94.5% |