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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 | $36,995 | $116,203-68.2% | $93,621-60.5% | $152,909-75.8% |
| Participation rate | 69.2% | 78.1%-8.8pp | 75.8%-6.6pp | 82.5%-13.2pp |
| Annual return | 22.99% | 35.96%-13.0pp | 32.76%-9.8pp | 345.46%-322.5pp |
| Employer contribution / active EE | $1,073 | $3,219-66.7% | $2,719-60.5% | $4,764-77.5% |
| Participant deferral / active EE | $8,245 | $4,605+79.1% | $4,070+102.6% | $5,851+40.9% |
| Admin fee / account holder | $388 | $10,751-96.4% | $7,890-95.1% | $11,601-96.7% |