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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 | $12,768 | $55,889-77.2% | $76,119-83.2% | $80,935-84.2% |
| Participation rate | 44.0% | 62.1%-18.1pp | 69.1%-25.1pp | 67.7%-23.7pp |
| Annual return | 17.81% | 20.58%-2.8pp | 361.25%-343.4pp | 35.66%-17.8pp |
| Employer contribution / active EE | $1,368 | $1,866-26.7% | $2,693-49.2% | $2,757-50.4% |
| Participant deferral / active EE | $2,244 | $3,051-26.5% | $4,259-47.3% | $4,299-47.8% |
| Admin fee / account holder | $7,487 | $5,241+42.8% | $6,421+16.6% | $6,924+8.1% |