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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 | $25,994 | $78,682-67.0% | $109,188-76.2% | $85,851-69.7% |
| Participation rate | 62.6% | 68.3%-5.6pp | 75.9%-13.2pp | 69.3%-6.7pp |
| Annual return | 13.68% | 25.09%-11.4pp | 25.76%-12.1pp | 318.63%-305.0pp |
| Employer contribution / active EE | $1,636 | $2,734-40.1% | $3,723-56.0% | $2,565-36.2% |
| Participant deferral / active EE | $3,262 | $3,468-5.9% | $4,654-29.9% | $3,952-17.5% |
| Admin fee / account holder | $5,180 | $5,470-5.3% | $6,755-23.3% | $6,261-17.3% |