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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 | $30,857 | $75,541-59.2% | $152,093-79.7% | $82,637-62.7% |
| Participation rate | 24.4% | 66.5%-42.1pp | 77.8%-53.3pp | 68.1%-43.6pp |
| Annual return | 17.66% | 32.56%-14.9pp | 66.36%-48.7pp | 53.51%-35.8pp |
| Employer contribution / active EE | $649 | $2,622-75.3% | $4,175-84.5% | $2,552-74.6% |
| Participant deferral / active EE | $1,045 | $3,206-67.4% | $5,451-80.8% | $4,126-74.7% |
| Admin fee / account holder | $330 | $6,405-94.8% | $14,497-97.7% | $7,339-95.5% |