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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 | $14,378 | $81,331-82.3% | $155,534-90.8% | $80,935-82.2% |
| Participation rate | 45.5% | 66.3%-20.8pp | 78.2%-32.8pp | 67.7%-22.2pp |
| Annual return | 23.35% | 33.37%-10.0pp | 64.92%-41.6pp | 35.66%-12.3pp |
| Employer contribution / active EE | $837 | $3,105-73.1% | $4,675-82.1% | $2,757-69.7% |
| Participant deferral / active EE | $2,195 | $3,454-36.4% | $5,630-61.0% | $4,299-48.9% |
| Admin fee / account holder | $902 | $7,999-88.7% | $15,900-94.3% | $6,924-87.0% |