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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 | $45,312-60.8% | $86,233-79.4% | $67,986-73.9% |
| Participation rate | 19.7% | 42.4%-22.7pp | 69.0%-49.3pp | 57.2%-37.5pp |
| Annual return | 14.37% | 24.79%-10.4pp | 61.39%-47.0pp | 31.67%-17.3pp |
| Employer contribution / active EE | $294 | $1,160-74.6% | $2,504-88.2% | $2,019-85.4% |
| Participant deferral / active EE | $748 | $2,185-65.7% | $4,559-83.6% | $3,358-77.7% |
| Admin fee / account holder | $439 | $3,295-86.7% | $8,342-94.7% | $3,203-86.3% |