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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 | $14,160 | $106,247-86.7% | $96,515-85.3% | $139,466-89.8% |
| Participation rate | 44.4% | 77.8%-33.4pp | 74.3%-29.9pp | 80.3%-35.9pp |
| Annual return | 21.00% | 38.47%-17.5pp | 35.73%-14.7pp | 373.66%-352.7pp |
| Employer contribution / active EE | $2,070 | $4,106-49.6% | $3,740-44.6% | $4,754-56.5% |
| Participant deferral / active EE | $3,596 | $5,456-34.1% | $4,880-26.3% | $6,712-46.4% |
| Admin fee / account holder | $5,496 | $7,885-30.3% | $6,735-18.4% | $11,409-51.8% |