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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 | $31,521 | $106,247-70.3% | $96,515-67.3% | $139,466-77.4% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.3%-11.8pp | 80.3%-17.8pp |
| Annual return | 31.18% | 38.47%-7.3pp | 35.73%-4.6pp | 373.66%-342.5pp |
| Employer contribution / active EE | $1,794 | $4,106-56.3% | $3,740-52.0% | $4,754-62.3% |
| Participant deferral / active EE | $8,086 | $5,456+48.2% | $4,880+65.7% | $6,712+20.5% |
| Admin fee / account holder | $788 | $7,885-90.0% | $6,735-88.3% | $11,409-93.1% |