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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 | $31,195 | $129,737-76.0% | $119,126-73.8% | $154,746-79.8% |
| Participation rate | 47.1% | 78.9%-31.8pp | 75.8%-28.7pp | 80.7%-33.6pp |
| Annual return | 19.51% | 379.08%-359.6pp | 282.11%-262.6pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,014 | $4,375-76.8% | $4,034-74.9% | $4,379-76.9% |
| Participant deferral / active EE | $2,819 | $5,842-51.7% | $5,318-47.0% | $6,730-58.1% |
| Admin fee / account holder | $654 | $11,961-94.5% | $10,693-93.9% | $14,365-95.4% |