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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 | $31,708 | $25,014+26.8% | $69,623-54.5% | $80,935-60.8% |
| Participation rate | 25.0% | 64.2%-39.2pp | 66.4%-41.4pp | 67.7%-42.7pp |
| Annual return | 13.27% | 19.08%-5.8pp | 101.23%-88.0pp | 35.66%-22.4pp |
| Employer contribution / active EE | $369 | $991-62.7% | $1,709-78.4% | $2,757-86.6% |
| Participant deferral / active EE | $909 | $1,840-50.6% | $2,890-68.6% | $4,299-78.9% |
| Admin fee / account holder | $1,422 | $2,491-42.9% | $4,696-69.7% | $6,924-79.5% |