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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 | $21,958 | $124,351-82.3% | $109,188-79.9% | $167,553-86.9% |
| Participation rate | 52.6% | 79.4%-26.8pp | 75.9%-23.2pp | 82.1%-29.5pp |
| Annual return | 18.22% | 26.04%-7.8pp | 25.76%-7.5pp | 478.89%-460.7pp |
| Employer contribution / active EE | $1,519 | $4,210-63.9% | $3,723-59.2% | $4,840-68.6% |
| Participant deferral / active EE | $2,918 | $5,257-44.5% | $4,654-37.3% | $6,343-54.0% |
| Admin fee / account holder | $3,777 | $7,975-52.6% | $6,755-44.1% | $12,316-69.3% |