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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 | $34,181 | $111,814-69.4% | $103,378-66.9% | $145,978-76.6% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 11.18% | 24.80%-13.6pp | 24.91%-13.7pp | 550.52%-539.3pp |
| Employer contribution / active EE | $2,123 | $4,215-49.6% | $3,870-45.1% | $4,662-54.5% |
| Participant deferral / active EE | $7,831 | $5,618+39.4% | $5,058+54.8% | $6,690+17.1% |
| Admin fee / account holder | $372 | $9,764-96.2% | $8,401-95.6% | $13,400-97.2% |