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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 | $17,751 | $44,746-60.3% | $88,179-79.9% | $64,097-72.3% |
| Participation rate | 19.7% | 39.8%-20.1pp | 69.1%-49.4pp | 55.2%-35.5pp |
| Annual return | 14.37% | 24.70%-10.3pp | 64.97%-50.6pp | 34.64%-20.3pp |
| Employer contribution / active EE | $294 | $1,078-72.7% | $2,549-88.5% | $1,891-84.4% |
| Participant deferral / active EE | $748 | $2,072-63.9% | $4,614-83.8% | $3,080-75.7% |
| Admin fee / account holder | $439 | $3,437-87.2% | $7,673-94.3% | $3,454-87.3% |