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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 | $30,027 | $95,415-68.5% | $185,851-83.8% | $85,851-65.0% |
| Participation rate | 26.3% | 68.8%-42.5pp | 81.7%-55.5pp | 69.3%-43.1pp |
| Annual return | 15.02% | 23.59%-8.6pp | 122.11%-107.1pp | 318.63%-303.6pp |
| Employer contribution / active EE | $659 | $3,314-80.1% | $5,168-87.3% | $2,565-74.3% |
| Participant deferral / active EE | $2,484 | $3,424-27.4% | $5,569-55.4% | $3,952-37.1% |
| Admin fee / account holder | $741 | $7,215-89.7% | $16,245-95.4% | $6,261-88.2% |