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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 | $15,656 | $81,262-80.7% | $155,602-89.9% | $80,911-80.6% |
| Participation rate | 26.1% | 66.2%-40.2pp | 78.2%-52.1pp | 67.6%-41.6pp |
| Annual return | 21.14% | 33.34%-12.2pp | 64.81%-43.7pp | 35.63%-14.5pp |
| Employer contribution / active EE | $407 | $3,102-86.9% | $4,675-91.3% | $2,756-85.2% |
| Participant deferral / active EE | $937 | $3,451-72.9% | $5,629-83.4% | $4,297-78.2% |
| Admin fee / account holder | $841 | $7,992-89.5% | $15,923-94.7% | $6,935-87.9% |