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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 | $30,127 | $108,285-72.2% | $77,552-61.2% | $158,982-81.0% |
| Participation rate | 26.1% | 64.4%-38.3pp | 54.2%-28.1pp | 82.0%-55.9pp |
| Annual return | 18.81% | 31.69%-12.9pp | 54.82%-36.0pp | 302.99%-284.2pp |
| Employer contribution / active EE | $464 | $1,325-65.0% | $987-53.0% | $4,763-90.3% |
| Participant deferral / active EE | $1,992 | $2,455-18.9% | $1,861+7.0% | $5,983-66.7% |
| Admin fee / account holder | $1,208 | $3,709-67.4% | $2,859-57.7% | $11,252-89.3% |