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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 | $25,293 | $105,960-76.1% | $81,726-69.1% | $158,982-84.1% |
| Participation rate | 62.5% | 75.6%-13.1pp | 72.0%-9.5pp | 82.0%-19.5pp |
| Annual return | 17.11% | 38.19%-21.1pp | 29.49%-12.4pp | 302.99%-285.9pp |
| Employer contribution / active EE | $1,404 | $7,805-82.0% | $4,311-67.4% | $4,763-70.5% |
| Participant deferral / active EE | $2,634 | $13,011-79.8% | $7,108-62.9% | $5,983-56.0% |
| Admin fee / account holder | $930 | $8,494-89.1% | $5,160-82.0% | $11,252-91.7% |