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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 | $29,910 | $211,288-85.8% | $178,540-83.2% | $145,884-79.5% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 10.15% | 30.27%-20.1pp | 27.15%-17.0pp | 551.85%-541.7pp |
| Employer contribution / active EE | $963 | $4,574-78.9% | $3,953-75.6% | $4,662-79.3% |
| Participant deferral / active EE | $2,954 | $6,967-57.6% | $6,281-53.0% | $6,690-55.8% |
| Admin fee / account holder | $6,900 | $12,105-43.0% | $10,424-33.8% | $13,392-48.5% |