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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 | $39,310 | $43,423-9.5% | $78,676-50.0% | $55,167-28.7% |
| Participation rate | 29.7% | 68.0%-38.3pp | 73.6%-43.9pp | 69.0%-39.3pp |
| Annual return | 8.27% | 11.53%-3.3pp | 62.19%-53.9pp | 169.23%-161.0pp |
| Employer contribution / active EE | $352 | $1,997-82.4% | $2,850-87.6% | $1,963-82.1% |
| Participant deferral / active EE | $857 | $2,509-65.8% | $3,517-75.6% | $3,054-71.9% |
| Admin fee / account holder | $853 | $416+105.1% | $4,510-81.1% | $504+69.4% |