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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 | $23,972 | $43,496-44.9% | $161,489-85.2% | $64,340-62.7% |
| Participation rate | 18.5% | 53.5%-35.0pp | 78.7%-60.2pp | 55.2%-36.7pp |
| Annual return | 12.83% | 20.76%-7.9pp | 89.72%-76.9pp | 24.14%-11.3pp |
| Employer contribution / active EE | $270 | $1,431-81.1% | $4,268-93.7% | $1,862-85.5% |
| Participant deferral / active EE | $704 | $1,996-64.7% | $5,630-87.5% | $2,980-76.4% |
| Admin fee / account holder | $4,721 | $2,330+102.6% | $16,006-70.5% | $3,703+27.5% |