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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 | $35,317 | $110,337-68.0% | $102,383-65.5% | $145,877-75.8% |
| Participation rate | 63.6% | 77.9%-14.3pp | 74.5%-10.9pp | 80.3%-16.7pp |
| Annual return | 15.66% | 24.83%-9.2pp | 24.94%-9.3pp | 551.28%-535.6pp |
| Employer contribution / active EE | $1,776 | $4,216-57.9% | $3,870-54.1% | $4,663-61.9% |
| Participant deferral / active EE | $6,831 | $5,621+21.5% | $5,060+35.0% | $6,691+2.1% |
| Admin fee / account holder | $395 | $9,750-95.9% | $8,391-95.3% | $13,402-97.1% |