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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 | $30,821 | $60,442-49.0% | $96,754-68.1% | $87,485-64.8% |
| Participation rate | 29.6% | 58.7%-29.1pp | 70.3%-40.6pp | 68.9%-39.3pp |
| Annual return | 16.91% | 21.97%-5.1pp | 82.04%-65.1pp | 26.06%-9.1pp |
| Employer contribution / active EE | $415 | $1,691-75.5% | $2,679-84.5% | $2,596-84.0% |
| Participant deferral / active EE | $1,076 | $3,280-67.2% | $4,758-77.4% | $4,274-74.8% |
| Admin fee / account holder | $1,169 | $5,069-76.9% | $8,905-86.9% | $7,775-85.0% |