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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 | $42,517 | $117,444-63.8% | $99,479-57.3% | $152,909-72.2% |
| Participation rate | 66.7% | 77.5%-10.9pp | 73.8%-7.2pp | 82.5%-15.8pp |
| Annual return | 18.49% | 31.87%-13.4pp | 30.72%-12.2pp | 345.46%-327.0pp |
| Employer contribution / active EE | $696 | $3,014-76.9% | $2,540-72.6% | $4,764-85.4% |
| Participant deferral / active EE | $2,667 | $4,086-34.7% | $3,619-26.3% | $5,851-54.4% |
| Admin fee / account holder | $585 | $7,635-92.3% | $6,253-90.6% | $11,601-95.0% |