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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 | $22,822 | $106,267-78.5% | $96,520-76.4% | $139,456-83.6% |
| Participation rate | 64.3% | 77.8%-13.6pp | 74.3%-10.1pp | 80.3%-16.0pp |
| Annual return | 25.54% | 38.45%-12.9pp | 35.72%-10.2pp | 373.45%-347.9pp |
| Employer contribution / active EE | $2,041 | $4,105-50.3% | $3,739-45.4% | $4,753-57.1% |
| Participant deferral / active EE | $4,416 | $5,454-19.0% | $4,879-9.5% | $6,711-34.2% |
| Admin fee / account holder | $1,441 | $7,882-81.7% | $6,733-78.6% | $11,407-87.4% |