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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 | $7,794 | $49,976-84.4% | $66,674-88.3% | $82,637-90.6% |
| Participation rate | 37.5% | 63.1%-25.6pp | 73.7%-36.2pp | 68.1%-30.6pp |
| Annual return | 23.84% | 39.09%-15.3pp | 321.24%-297.4pp | 53.51%-29.7pp |
| Employer contribution / active EE | $416 | $1,988-79.1% | $2,620-84.1% | $2,552-83.7% |
| Participant deferral / active EE | $1,174 | $2,847-58.7% | $4,084-71.2% | $4,126-71.5% |
| Admin fee / account holder | $1,109 | $4,594-75.9% | $5,098-78.2% | $7,339-84.9% |