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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 | $32,975 | $125,778-73.8% | $114,563-71.2% | $154,746-78.7% |
| Participation rate | 20.0% | 75.2%-55.2pp | 72.9%-52.9pp | 80.7%-60.7pp |
| Annual return | 17.45% | 295.14%-277.7pp | 241.09%-223.6pp | 172.34%-154.9pp |
| Employer contribution / active EE | $320 | $2,806-88.6% | $2,592-87.7% | $4,379-92.7% |
| Participant deferral / active EE | $1,054 | $4,445-76.3% | $4,142-74.6% | $6,730-84.3% |
| Admin fee / account holder | $10,016 | $8,190+22.3% | $7,623+31.4% | $14,365-30.3% |