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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 | $35,705 | $54,763-34.8% | $90,324-60.5% | $72,976-51.1% |
| Participation rate | 31.0% | 65.2%-34.1pp | 73.3%-42.2pp | 69.5%-38.5pp |
| Annual return | 21.39% | 30.63%-9.2pp | 78.15%-56.8pp | 81.02%-59.6pp |
| Employer contribution / active EE | $657 | $2,093-68.6% | $2,856-77.0% | $2,440-73.1% |
| Participant deferral / active EE | $1,053 | $2,887-63.5% | $3,885-72.9% | $3,608-70.8% |
| Admin fee / account holder | $2,220 | $3,973-44.1% | $5,356-58.5% | $5,124-56.7% |