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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 | $30,222 | $68,681-56.0% | $86,615-65.1% | $85,847-64.8% |
| Participation rate | 56.1% | 66.4%-10.3pp | 71.6%-15.5pp | 69.3%-13.2pp |
| Annual return | 15.92% | 20.12%-4.2pp | 63.51%-47.6pp | 318.61%-302.7pp |
| Employer contribution / active EE | $2,323 | $1,880+23.5% | $2,496-6.9% | $2,565-9.5% |
| Participant deferral / active EE | $3,040 | $2,919+4.2% | $3,699-17.8% | $3,952-23.1% |
| Admin fee / account holder | $664 | $5,974-88.9% | $5,830-88.6% | $6,261-89.4% |