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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 | $24,928 | $71,197-65.0% | $93,669-73.4% | $80,925-69.2% |
| Participation rate | 50.9% | 60.4%-9.5pp | 68.7%-17.8pp | 67.7%-16.8pp |
| Annual return | 12.83% | 11.27%+1.6pp | 133.59%-120.8pp | 35.65%-22.8pp |
| Employer contribution / active EE | $1,064 | $1,565-32.0% | $2,424-56.1% | $2,756-61.4% |
| Participant deferral / active EE | $2,047 | $4,036-49.3% | $4,416-53.6% | $4,299-52.4% |
| Admin fee / account holder | $1,362 | $6,959-80.4% | $8,291-83.6% | $6,940-80.4% |