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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 | $16,308 | $124,351-86.9% | $109,188-85.1% | $167,553-90.3% |
| Participation rate | 68.8% | 79.4%-10.7pp | 75.9%-7.1pp | 82.1%-13.4pp |
| Annual return | 14.52% | 26.04%-11.5pp | 25.76%-11.2pp | 478.89%-464.4pp |
| Employer contribution / active EE | $2,125 | $4,210-49.5% | $3,723-42.9% | $4,840-56.1% |
| Participant deferral / active EE | $3,222 | $5,257-38.7% | $4,654-30.8% | $6,343-49.2% |
| Admin fee / account holder | $2,808 | $7,975-64.8% | $6,755-58.4% | $12,316-77.2% |