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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 | $28,880 | $97,125-70.3% | $86,233-66.5% | $137,256-79.0% |
| Participation rate | 19.0% | 74.2%-55.1pp | 69.0%-50.0pp | 80.0%-60.9pp |
| Annual return | 20.79% | 74.19%-53.4pp | 61.39%-40.6pp | 220.34%-199.6pp |
| Employer contribution / active EE | $849 | $2,841-70.1% | $2,504-66.1% | $4,156-79.6% |
| Participant deferral / active EE | $2,872 | $5,180-44.6% | $4,559-37.0% | $6,407-55.2% |
| Admin fee / account holder | $20,180 | $9,725+107.5% | $8,342+141.9% | $12,270+64.5% |