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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 | $23,498 | $48,053-51.1% | $84,637-72.2% | $72,976-67.8% |
| Participation rate | 56.3% | 57.6%-1.3pp | 68.2%-12.0pp | 69.5%-13.2pp |
| Annual return | 26.22% | 37.39%-11.2pp | 258.82%-232.6pp | 81.02%-54.8pp |
| Employer contribution / active EE | $704 | $1,602-56.0% | $2,653-73.5% | $2,440-71.1% |
| Participant deferral / active EE | $2,521 | $2,681-5.9% | $3,900-35.4% | $3,608-30.1% |
| Admin fee / account holder | $833 | $3,395-75.5% | $4,914-83.0% | $5,124-83.7% |