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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 | $25,718 | $81,358-68.4% | $155,556-83.5% | $80,959-68.2% |
| Participation rate | 52.3% | 66.3%-14.0pp | 78.2%-26.0pp | 67.7%-15.4pp |
| Annual return | 30.83% | 33.39%-2.6pp | 64.84%-34.0pp | 35.67%-4.8pp |
| Employer contribution / active EE | $933 | $3,106-70.0% | $4,675-80.0% | $2,757-66.2% |
| Participant deferral / active EE | $1,494 | $3,455-56.8% | $5,631-73.5% | $4,300-65.3% |
| Admin fee / account holder | $10,105 | $7,994+26.4% | $15,885-36.4% | $6,925+45.9% |