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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 | $26,355 | $60,488-56.4% | $109,907-76.0% | $79,391-66.8% |
| Participation rate | 31.7% | 67.0%-35.3pp | 74.2%-42.5pp | 70.7%-39.0pp |
| Annual return | 28.59% | 189.57%-161.0pp | 29.46%-0.9pp | 116.88%-88.3pp |
| Employer contribution / active EE | $818 | $1,649-50.4% | $2,844-71.3% | $2,428-66.3% |
| Participant deferral / active EE | $1,983 | $3,220-38.4% | $4,047-51.0% | $4,046-51.0% |
| Admin fee / account holder | $505 | $605-16.4% | $6,069-91.7% | $627-19.3% |