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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 | $29,397 | $78,670-62.6% | $109,173-73.1% | $85,847-65.8% |
| Participation rate | 43.9% | 68.3%-24.4pp | 75.9%-32.0pp | 69.3%-25.4pp |
| Annual return | 17.68% | 25.09%-7.4pp | 25.75%-8.1pp | 318.61%-300.9pp |
| Employer contribution / active EE | $1,380 | $2,734-49.5% | $3,723-62.9% | $2,565-46.2% |
| Participant deferral / active EE | $3,637 | $3,467+4.9% | $4,654-21.8% | $3,952-8.0% |
| Admin fee / account holder | $342 | $5,469-93.7% | $6,755-94.9% | $6,261-94.5% |