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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 | $24,995 | $77,908-67.9% | $149,696-83.3% | $75,173-66.7% |
| Participation rate | 48.0% | 65.6%-17.6pp | 78.8%-30.8pp | 67.2%-19.2pp |
| Annual return | 15.61% | 31.73%-16.1pp | 134.46%-118.8pp | 160.72%-145.1pp |
| Employer contribution / active EE | $607 | $3,138-80.7% | $4,821-87.4% | $2,671-77.3% |
| Participant deferral / active EE | $2,483 | $3,411-27.2% | $5,682-56.3% | $4,126-39.8% |
| Admin fee / account holder | $835 | $5,950-86.0% | $13,212-93.7% | $5,651-85.2% |