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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 | $22,676 | $50,820-55.4% | $155,567-85.4% | $77,671-70.8% |
| Participation rate | 18.8% | 63.1%-44.3pp | 78.2%-59.4pp | 70.6%-51.8pp |
| Annual return | 14.57% | 34.85%-20.3pp | 64.74%-50.2pp | 31.21%-16.6pp |
| Employer contribution / active EE | $723 | $1,993-63.7% | $4,674-84.5% | $2,726-73.5% |
| Participant deferral / active EE | $1,160 | $2,823-58.9% | $5,628-79.4% | $4,648-75.0% |
| Admin fee / account holder | $2,002 | $436+359.3% | $15,916-87.4% | $430+365.2% |