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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 | $33,940 | $106,247-68.1% | $96,515-64.8% | $139,466-75.7% |
| Participation rate | 64.3% | 77.8%-13.6pp | 74.3%-10.1pp | 80.3%-16.0pp |
| Annual return | 17.06% | 38.47%-21.4pp | 35.73%-18.7pp | 373.66%-356.6pp |
| Employer contribution / active EE | $1,127 | $4,106-72.6% | $3,740-69.9% | $4,754-76.3% |
| Participant deferral / active EE | $2,978 | $5,456-45.4% | $4,880-39.0% | $6,712-55.6% |
| Admin fee / account holder | $3,812 | $7,885-51.6% | $6,735-43.4% | $11,409-66.6% |