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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 | $20,922 | $106,280-80.3% | $96,538-78.3% | $139,487-85.0% |
| Participation rate | 47.6% | 77.8%-30.2pp | 74.3%-26.7pp | 80.3%-32.7pp |
| Annual return | 14.37% | 38.48%-24.1pp | 35.74%-21.4pp | 373.84%-359.5pp |
| Employer contribution / active EE | $1,720 | $4,107-58.1% | $3,740-54.0% | $4,755-63.8% |
| Participant deferral / active EE | $2,646 | $5,457-51.5% | $4,880-45.8% | $6,713-60.6% |
| Admin fee / account holder | $5,088 | $7,888-35.5% | $6,737-24.5% | $11,407-55.4% |