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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 | $40,562 | $116,203-65.1% | $93,621-56.7% | $152,897-73.5% |
| Participation rate | 68.8% | 78.1%-9.3pp | 75.8%-7.1pp | 82.5%-13.7pp |
| Annual return | 15.26% | 35.96%-20.7pp | 32.76%-17.5pp | 345.43%-330.2pp |
| Employer contribution / active EE | $1,109 | $3,219-65.5% | $2,719-59.2% | $4,764-76.7% |
| Participant deferral / active EE | $1,471 | $4,605-68.1% | $4,070-63.9% | $5,851-74.9% |
| Admin fee / account holder | $2,348 | $10,751-78.2% | $7,890-70.2% | $11,599-79.8% |