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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 | $65,900 | $106,280-38.0% | $96,538-31.7% | $139,487-52.8% |
| Participation rate | 35.3% | 77.8%-42.6pp | 74.3%-39.1pp | 80.3%-45.0pp |
| Annual return | 15.71% | 38.48%-22.8pp | 35.74%-20.0pp | 373.84%-358.1pp |
| Employer contribution / active EE | $1,350 | $4,107-67.1% | $3,740-63.9% | $4,755-71.6% |
| Participant deferral / active EE | $4,145 | $5,457-24.0% | $4,880-15.1% | $6,713-38.3% |
| Admin fee / account holder | $852 | $7,888-89.2% | $6,737-87.4% | $11,407-92.5% |