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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 | $63,354-80.2% | $94,105-86.7% | $82,637-84.8% |
| Participation rate | 53.1% | 63.8%-10.7pp | 71.9%-18.8pp | 68.1%-14.9pp |
| Annual return | 16.89% | 34.36%-17.5pp | 204.55%-187.7pp | 53.51%-36.6pp |
| Employer contribution / active EE | $874 | $1,760-50.3% | $2,504-65.1% | $2,552-65.8% |
| Participant deferral / active EE | $1,565 | $2,873-45.5% | $3,881-59.7% | $4,126-62.1% |
| Admin fee / account holder | $1,447 | $5,073-71.5% | $6,199-76.7% | $7,339-80.3% |