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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 | $14,062 | $61,816-77.3% | $97,260-85.5% | $80,935-82.6% |
| Participation rate | 64.9% | 63.5%+1.4pp | 72.7%-7.8pp | 67.7%-2.8pp |
| Annual return | 17.01% | -558.73%+575.7pp | 75.54%-58.5pp | 35.66%-18.7pp |
| Employer contribution / active EE | $1,642 | $1,836-10.6% | $2,721-39.7% | $2,757-40.4% |
| Participant deferral / active EE | $2,252 | $3,027-25.6% | $4,262-47.2% | $4,299-47.6% |
| Admin fee / account holder | $307 | $5,166-94.1% | $5,640-94.6% | $6,924-95.6% |