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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 | $11,526 | $108,882-89.4% | $96,754-88.1% | $154,746-92.6% |
| Participation rate | 56.3% | 75.1%-18.8pp | 70.3%-14.0pp | 80.7%-24.5pp |
| Annual return | 16.04% | 98.39%-82.3pp | 82.04%-66.0pp | 172.34%-156.3pp |
| Employer contribution / active EE | $1,337 | $3,018-55.7% | $2,679-50.1% | $4,379-69.5% |
| Participant deferral / active EE | $1,769 | $5,323-66.8% | $4,758-62.8% | $6,730-73.7% |
| Admin fee / account holder | $1,320 | $10,200-87.1% | $8,905-85.2% | $14,365-90.8% |