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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 | $34,101 | $110,410-69.1% | $102,437-66.7% | $145,897-76.6% |
| Participation rate | 53.3% | 77.9%-24.6pp | 74.5%-21.2pp | 80.3%-27.0pp |
| Annual return | 18.60% | 24.85%-6.2pp | 24.95%-6.3pp | 552.29%-533.7pp |
| Employer contribution / active EE | $1,928 | $4,217-54.3% | $3,871-50.2% | $4,663-58.6% |
| Participant deferral / active EE | $4,365 | $5,622-22.4% | $5,060-13.7% | $6,689-34.7% |
| Admin fee / account holder | $988 | $9,745-89.9% | $8,388-88.2% | $13,390-92.6% |