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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 | $16,077 | $47,479-66.1% | $62,929-74.5% | $82,448-80.5% |
| Participation rate | 62.1% | 66.9%-4.8pp | 73.1%-11.0pp | 68.1%-6.0pp |
| Annual return | 27.43% | 20.34%+7.1pp | 1063.93%-1036.5pp | 41.64%-14.2pp |
| Employer contribution / active EE | $738 | $1,885-60.8% | $2,505-70.5% | $2,551-71.1% |
| Participant deferral / active EE | $3,279 | $2,870+14.2% | $3,888-15.7% | $4,139-20.8% |
| Admin fee / account holder | $2,023 | $3,804-46.8% | $5,065-60.0% | $7,234-72.0% |