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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 | $22,519 | $78,690-71.4% | $161,489-86.1% | $87,485-74.3% |
| Participation rate | 51.5% | 67.5%-15.9pp | 78.7%-27.2pp | 68.9%-17.4pp |
| Annual return | 19.67% | 32.74%-13.1pp | 89.72%-70.0pp | 26.06%-6.4pp |
| Employer contribution / active EE | $763 | $2,588-70.5% | $4,268-82.1% | $2,596-70.6% |
| Participant deferral / active EE | $1,825 | $3,311-44.9% | $5,630-67.6% | $4,274-57.3% |
| Admin fee / account holder | $1,996 | $6,724-70.3% | $16,006-87.5% | $7,775-74.3% |