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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 | $39,956 | $110,337-63.8% | $102,383-61.0% | $145,877-72.6% |
| Participation rate | 57.1% | 77.9%-20.8pp | 74.5%-17.4pp | 80.3%-23.2pp |
| Annual return | 11.47% | 24.83%-13.4pp | 24.94%-13.5pp | 551.28%-539.8pp |
| Employer contribution / active EE | $1,270 | $4,216-69.9% | $3,870-67.2% | $4,663-72.8% |
| Participant deferral / active EE | $2,548 | $5,621-54.7% | $5,060-49.6% | $6,691-61.9% |
| Admin fee / account holder | $1,709 | $9,750-82.5% | $8,391-79.6% | $13,402-87.2% |