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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 | $21,683 | $81,276-73.3% | $155,574-86.1% | $80,925-73.2% |
| Participation rate | 53.8% | 66.2%-12.4pp | 78.2%-24.4pp | 67.7%-13.8pp |
| Annual return | 15.57% | 33.36%-17.8pp | 64.87%-49.3pp | 35.65%-20.1pp |
| Employer contribution / active EE | $749 | $3,103-75.9% | $4,676-84.0% | $2,756-72.8% |
| Participant deferral / active EE | $2,404 | $3,453-30.4% | $5,629-57.3% | $4,299-44.1% |
| Admin fee / account holder | $1,894 | $7,993-76.3% | $15,914-88.1% | $6,940-72.7% |