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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 | $17,671 | $124,330-85.8% | $109,173-83.8% | $167,536-89.5% |
| Participation rate | 57.1% | 79.5%-22.3pp | 75.9%-18.7pp | 82.1%-25.0pp |
| Annual return | 24.84% | 26.04%-1.2pp | 25.75%-0.9pp | 478.82%-454.0pp |
| Employer contribution / active EE | $1,329 | $4,209-68.4% | $3,723-64.3% | $4,839-72.5% |
| Participant deferral / active EE | $3,044 | $5,256-42.1% | $4,654-34.6% | $6,342-52.0% |
| Admin fee / account holder | $1,001 | $7,974-87.5% | $6,755-85.2% | $12,315-91.9% |