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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 | $25,505 | $23,330+9.3% | $64,489-60.5% | $82,448-69.1% |
| Participation rate | 39.1% | 68.3%-29.2pp | 67.7%-28.6pp | 68.1%-28.9pp |
| Annual return | 18.02% | 83.66%-65.6pp | 55.03%-37.0pp | 41.64%-23.6pp |
| Employer contribution / active EE | $525 | $824-36.3% | $1,523-65.5% | $2,551-79.4% |
| Participant deferral / active EE | $1,216 | $1,707-28.8% | $2,778-56.2% | $4,139-70.6% |
| Admin fee / account holder | $3,380 | $2,946+14.8% | $4,260-20.7% | $7,234-53.3% |