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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 | $58,854 | $111,814-47.4% | $103,378-43.1% | $145,978-59.7% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | 9.48% | 24.80%-15.3pp | 24.91%-15.4pp | 550.52%-541.0pp |
| Employer contribution / active EE | $1,288 | $4,215-69.4% | $3,870-66.7% | $4,662-72.4% |
| Participant deferral / active EE | $7,512 | $5,618+33.7% | $5,058+48.5% | $6,690+12.3% |
| Admin fee / account holder | $604 | $9,764-93.8% | $8,401-92.8% | $13,400-95.5% |