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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 | $20,994 | $112,729-81.4% | $98,716-78.7% | $137,256-84.7% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 27.84% | 38.48%-10.6pp | 31.81%-4.0pp | 220.34%-192.5pp |
| Employer contribution / active EE | $688 | $2,725-74.8% | $2,279-69.8% | $4,156-83.4% |
| Participant deferral / active EE | $3,002 | $4,640-35.3% | $4,048-25.8% | $6,407-53.1% |
| Admin fee / account holder | $1,596 | $10,129-84.2% | $8,703-81.7% | $12,270-87.0% |