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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 | $50,919-55.5% | $155,556-85.4% | $77,762-70.8% |
| Participation rate | 18.8% | 63.1%-44.3pp | 78.2%-59.4pp | 70.6%-51.8pp |
| Annual return | 14.57% | 34.84%-20.3pp | 64.84%-50.3pp | 31.27%-16.7pp |
| Employer contribution / active EE | $723 | $1,991-63.7% | $4,675-84.5% | $2,728-73.5% |
| Participant deferral / active EE | $1,160 | $2,824-58.9% | $5,631-79.4% | $4,651-75.1% |
| Admin fee / account holder | $2,002 | $437+358.5% | $15,885-87.4% | $433+362.5% |