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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 | $31,684 | $77,908-59.3% | $149,696-78.8% | $75,173-57.9% |
| Participation rate | 33.3% | 65.6%-32.2pp | 78.8%-45.4pp | 67.2%-33.9pp |
| Annual return | 19.15% | 31.73%-12.6pp | 134.46%-115.3pp | 160.72%-141.6pp |
| Employer contribution / active EE | $589 | $3,138-81.2% | $4,821-87.8% | $2,671-77.9% |
| Participant deferral / active EE | $1,372 | $3,411-59.8% | $5,682-75.9% | $4,126-66.7% |
| Admin fee / account holder | $584 | $5,950-90.2% | $13,212-95.6% | $5,651-89.7% |