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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 | $18,725 | $111,535-83.2% | $105,223-82.2% | $137,256-86.4% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 27.76% | 237.85%-210.1pp | 180.65%-152.9pp | 220.34%-192.6pp |
| Employer contribution / active EE | $1,159 | $3,939-70.6% | $3,689-68.6% | $4,156-72.1% |
| Participant deferral / active EE | $2,854 | $5,500-48.1% | $5,072-43.7% | $6,407-55.5% |
| Admin fee / account holder | $2,874 | $9,721-70.4% | $8,859-67.6% | $12,270-76.6% |