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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 | $129,737-85.6% | $119,126-84.3% | $154,746-87.9% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 27.76% | 379.08%-351.3pp | 282.11%-254.3pp | 172.34%-144.6pp |
| Employer contribution / active EE | $1,159 | $4,375-73.5% | $4,034-71.3% | $4,379-73.5% |
| Participant deferral / active EE | $2,854 | $5,842-51.2% | $5,318-46.3% | $6,730-57.6% |
| Admin fee / account holder | $2,874 | $11,961-76.0% | $10,693-73.1% | $14,365-80.0% |