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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 | $15,795 | $23,330-32.3% | $64,489-75.5% | $82,448-80.8% |
| Participation rate | 63.7% | 68.3%-4.5pp | 67.7%-3.9pp | 68.1%-4.3pp |
| Annual return | 17.69% | 83.66%-66.0pp | 55.03%-37.3pp | 41.64%-23.9pp |
| Employer contribution / active EE | $649 | $824-21.2% | $1,523-57.4% | $2,551-74.5% |
| Participant deferral / active EE | $1,760 | $1,707+3.1% | $2,778-36.6% | $4,139-57.5% |
| Admin fee / account holder | $1,714 | $2,946-41.8% | $4,260-59.8% | $7,234-76.3% |