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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 | $22,905 | $77,638-70.5% | $156,551-85.4% | $62,881-63.6% |
| Participation rate | 38.8% | 71.2%-32.4pp | 84.0%-45.3pp | 69.3%-30.6pp |
| Annual return | 10.47% | 50.33%-39.9pp | 32.23%-21.8pp | 20.14%-9.7pp |
| Employer contribution / active EE | $955 | $3,444-72.3% | $5,501-82.6% | $2,281-58.1% |
| Participant deferral / active EE | $1,788 | $3,046-41.3% | $4,871-63.3% | $3,203-44.2% |
| Admin fee / account holder | $2,944 | $5,561-47.1% | $13,028-77.4% | $4,296-31.5% |