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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 | $28,319 | $77,908-63.7% | $149,696-81.1% | $75,173-62.3% |
| Participation rate | 51.1% | 65.6%-14.5pp | 78.8%-27.7pp | 67.2%-16.1pp |
| Annual return | 20.93% | 31.73%-10.8pp | 134.46%-113.5pp | 160.72%-139.8pp |
| Employer contribution / active EE | $860 | $3,138-72.6% | $4,821-82.2% | $2,671-67.8% |
| Participant deferral / active EE | $1,595 | $3,411-53.3% | $5,682-71.9% | $4,126-61.4% |
| Admin fee / account holder | $1,351 | $5,950-77.3% | $13,212-89.8% | $5,651-76.1% |