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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 | $27,857 | $73,955-62.3% | $96,520-71.1% | $75,181-62.9% |
| Participation rate | 30.3% | 66.4%-36.1pp | 74.3%-44.0pp | 67.2%-36.9pp |
| Annual return | 21.37% | 26.72%-5.3pp | 35.72%-14.3pp | 160.69%-139.3pp |
| Employer contribution / active EE | $876 | $2,930-70.1% | $3,739-76.6% | $2,671-67.2% |
| Participant deferral / active EE | $2,225 | $3,659-39.2% | $4,879-54.4% | $4,126-46.1% |
| Admin fee / account holder | $335 | $5,217-93.6% | $6,733-95.0% | $5,650-94.1% |