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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 | $11,301 | $77,920-85.5% | $149,723-92.5% | $75,177-85.0% |
| Participation rate | 62.0% | 65.6%-3.6pp | 78.8%-16.8pp | 67.2%-5.2pp |
| Annual return | 19.77% | 31.72%-11.9pp | 134.50%-114.7pp | 160.75%-141.0pp |
| Employer contribution / active EE | $569 | $3,138-81.9% | $4,821-88.2% | $2,671-78.7% |
| Participant deferral / active EE | $1,858 | $3,411-45.5% | $5,682-67.3% | $4,126-55.0% |
| Admin fee / account holder | $1,792 | $5,951-69.9% | $13,215-86.4% | $5,651-68.3% |