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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 | $21,852 | $65,367-66.6% | $92,915-76.5% | $72,976-70.1% |
| Participation rate | 61.5% | 68.3%-6.8pp | 76.0%-14.5pp | 69.5%-8.0pp |
| Annual return | 34.31% | 42.11%-7.8pp | 109.45%-75.1pp | 81.02%-46.7pp |
| Employer contribution / active EE | $1,984 | $2,594-23.5% | $3,653-45.7% | $2,440-18.7% |
| Participant deferral / active EE | $3,030 | $3,128-3.2% | $4,238-28.5% | $3,608-16.0% |
| Admin fee / account holder | $616 | $4,251-85.5% | $5,796-89.4% | $5,124-88.0% |