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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 | $34,947 | $105,864-67.0% | $90,162-61.2% | $147,585-76.3% |
| Participation rate | 66.7% | 79.7%-13.1pp | 76.9%-10.2pp | 82.8%-16.2pp |
| Annual return | 19.50% | 37.63%-18.1pp | 34.88%-15.4pp | 578.57%-559.1pp |
| Employer contribution / active EE | $2,349 | $4,126-43.1% | $3,318-29.2% | $4,876-51.8% |
| Participant deferral / active EE | $4,785 | $5,733-16.5% | $5,287-9.5% | $5,439-12.0% |
| Admin fee / account holder | $1,187 | $8,046-85.2% | $5,943-80.0% | $10,885-89.1% |