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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 | $16,400 | $51,638-68.2% | $68,368-76.0% | $82,448-80.1% |
| Participation rate | 47.9% | 63.6%-15.7pp | 73.8%-25.8pp | 68.1%-20.1pp |
| Annual return | 21.13% | 37.53%-16.4pp | 292.57%-271.4pp | 41.64%-20.5pp |
| Employer contribution / active EE | $262 | $2,047-87.2% | $2,649-90.1% | $2,551-89.7% |
| Participant deferral / active EE | $1,761 | $2,914-39.6% | $4,123-57.3% | $4,139-57.5% |
| Admin fee / account holder | $769 | $4,643-83.4% | $5,150-85.1% | $7,234-89.4% |