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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 | $57,590-78.6% | $86,233-85.7% | $82,448-85.1% |
| Participation rate | 40.5% | 57.9%-17.4pp | 69.0%-28.5pp | 68.1%-27.6pp |
| Annual return | 21.44% | 22.41%-1.0pp | 61.39%-39.9pp | 41.64%-20.2pp |
| Employer contribution / active EE | $525 | $1,655-68.3% | $2,504-79.0% | $2,551-79.4% |
| Participant deferral / active EE | $1,053 | $3,080-65.8% | $4,559-76.9% | $4,139-74.6% |
| Admin fee / account holder | $695 | $4,730-85.3% | $8,342-91.7% | $7,234-90.4% |