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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 | $50,554-68.2% | $67,681-76.2% | $87,485-81.6% |
| Participation rate | 62.1% | 67.7%-5.7pp | 73.7%-11.7pp | 68.9%-6.9pp |
| Annual return | 27.43% | 17.81%+9.6pp | 590.58%-563.1pp | 26.06%+1.4pp |
| Employer contribution / active EE | $738 | $1,988-62.9% | $2,678-72.4% | $2,596-71.6% |
| Participant deferral / active EE | $3,279 | $2,961+10.7% | $3,976-17.5% | $4,274-23.3% |
| Admin fee / account holder | $2,023 | $4,132-51.0% | $6,100-66.8% | $7,775-74.0% |