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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 | $16,636 | $77,920-78.7% | $149,723-88.9% | $75,177-77.9% |
| Participation rate | 52.0% | 65.6%-13.6pp | 78.8%-26.8pp | 67.2%-15.2pp |
| Annual return | 26.85% | 31.72%-4.9pp | 134.50%-107.6pp | 160.75%-133.9pp |
| Employer contribution / active EE | $970 | $3,138-69.1% | $4,821-79.9% | $2,671-63.7% |
| Participant deferral / active EE | $2,865 | $3,411-16.0% | $5,682-49.6% | $4,126-30.6% |
| Admin fee / account holder | $6,356 | $5,951+6.8% | $13,215-51.9% | $5,651+12.5% |