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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 | $12,322 | $60,442-79.6% | $96,754-87.3% | $87,485-85.9% |
| Participation rate | 40.5% | 58.7%-18.2pp | 70.3%-29.8pp | 68.9%-28.5pp |
| Annual return | 21.44% | 21.97%-0.5pp | 82.04%-60.6pp | 26.06%-4.6pp |
| Employer contribution / active EE | $525 | $1,691-68.9% | $2,679-80.4% | $2,596-79.8% |
| Participant deferral / active EE | $1,053 | $3,280-67.9% | $4,758-77.9% | $4,274-75.4% |
| Admin fee / account holder | $695 | $5,069-86.3% | $8,905-92.2% | $7,775-91.1% |