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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 | $13,264 | $57,073-76.8% | $85,126-84.4% | $80,925-83.6% |
| Participation rate | 48.9% | 56.4%-7.5pp | 67.5%-18.6pp | 67.7%-18.8pp |
| Annual return | 13.84% | 21.69%-7.9pp | 66.63%-52.8pp | 35.65%-21.8pp |
| Employer contribution / active EE | $401 | $1,801-77.7% | $2,731-85.3% | $2,756-85.5% |
| Participant deferral / active EE | $1,486 | $3,113-52.3% | $4,523-67.2% | $4,299-65.4% |
| Admin fee / account holder | $381 | $4,988-92.4% | $6,160-93.8% | $6,940-94.5% |