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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 | $22,889 | $91,179-74.9% | $178,499-87.2% | $79,852-71.3% |
| Participation rate | 50.0% | 69.2%-19.2pp | 81.9%-31.9pp | 69.6%-19.6pp |
| Annual return | 14.20% | 24.19%-10.0pp | 151.10%-136.9pp | 31.72%-17.5pp |
| Employer contribution / active EE | $751 | $3,256-76.9% | $5,011-85.0% | $2,471-69.6% |
| Participant deferral / active EE | $1,293 | $3,236-60.0% | $5,202-75.1% | $3,740-65.4% |
| Admin fee / account holder | $555 | $6,749-91.8% | $13,986-96.0% | $5,306-89.5% |