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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 | $36,486 | $116,203-68.6% | $93,621-61.0% | $152,909-76.1% |
| Participation rate | 61.1% | 78.1%-16.9pp | 75.8%-14.7pp | 82.5%-21.3pp |
| Annual return | 17.20% | 35.96%-18.8pp | 32.76%-15.6pp | 345.46%-328.3pp |
| Employer contribution / active EE | $1,431 | $3,219-55.6% | $2,719-47.4% | $4,764-70.0% |
| Participant deferral / active EE | $2,183 | $4,605-52.6% | $4,070-46.4% | $5,851-62.7% |
| Admin fee / account holder | $5,122 | $10,751-52.4% | $7,890-35.1% | $11,601-55.8% |