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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 | $32,975 | $101,618-67.5% | $93,063-64.6% | $137,256-76.0% |
| Participation rate | 20.0% | 74.9%-54.9pp | 72.1%-52.1pp | 80.0%-60.0pp |
| Annual return | 17.45% | 223.95%-206.5pp | 34.15%-16.7pp | 220.34%-202.9pp |
| Employer contribution / active EE | $320 | $2,707-88.2% | $2,476-87.1% | $4,156-92.3% |
| Participant deferral / active EE | $1,054 | $4,279-75.4% | $3,958-73.4% | $6,407-83.5% |
| Admin fee / account holder | $10,016 | $6,198+61.6% | $6,033+66.0% | $12,270-18.4% |