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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 | $28,726 | $124,330-76.9% | $109,173-73.7% | $167,536-82.9% |
| Participation rate | 53.8% | 79.5%-25.6pp | 75.9%-22.0pp | 82.1%-28.3pp |
| Annual return | 15.40% | 26.04%-10.6pp | 25.75%-10.4pp | 478.82%-463.4pp |
| Employer contribution / active EE | $1,290 | $4,209-69.4% | $3,723-65.4% | $4,839-73.3% |
| Participant deferral / active EE | $2,438 | $5,256-53.6% | $4,654-47.6% | $6,342-61.6% |
| Admin fee / account holder | $450 | $7,974-94.4% | $6,755-93.3% | $12,315-96.3% |