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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 | $26,297 | $91,198-71.2% | $178,503-85.3% | $79,856-67.1% |
| Participation rate | 54.1% | 69.2%-15.1pp | 81.9%-27.8pp | 69.6%-15.6pp |
| Annual return | 13.83% | 24.20%-10.4pp | 151.12%-137.3pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,165 | $3,257-64.2% | $5,011-76.8% | $2,471-52.9% |
| Participant deferral / active EE | $2,037 | $3,237-37.1% | $5,202-60.8% | $3,741-45.5% |
| Admin fee / account holder | $616 | $6,748-90.9% | $13,987-95.6% | $5,306-88.4% |