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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 | $22,528 | $91,198-75.3% | $178,503-87.4% | $79,856-71.8% |
| Participation rate | 21.6% | 69.2%-47.6pp | 81.9%-60.3pp | 69.6%-48.0pp |
| Annual return | 28.06% | 24.20%+3.9pp | 151.12%-123.1pp | 31.71%-3.7pp |
| Employer contribution / active EE | $802 | $3,257-75.4% | $5,011-84.0% | $2,471-67.6% |
| Participant deferral / active EE | $1,827 | $3,237-43.5% | $5,202-64.9% | $3,741-51.1% |
| Admin fee / account holder | $445 | $6,748-93.4% | $13,987-96.8% | $5,306-91.6% |