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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 | $12,529 | $63,703-80.3% | $93,063-86.5% | $82,448-84.8% |
| Participation rate | 53.1% | 63.8%-10.7pp | 72.1%-19.0pp | 68.1%-14.9pp |
| Annual return | 16.89% | -775.43%+792.3pp | 34.15%-17.3pp | 41.64%-24.8pp |
| Employer contribution / active EE | $874 | $1,729-49.5% | $2,476-64.7% | $2,551-65.7% |
| Participant deferral / active EE | $1,565 | $2,919-46.4% | $3,958-60.5% | $4,139-62.2% |
| Admin fee / account holder | $1,447 | $5,982-75.8% | $6,033-76.0% | $7,234-80.0% |