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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 | $26,240 | $91,198-71.2% | $178,503-85.3% | $79,856-67.1% |
| Participation rate | 50.0% | 69.2%-19.2pp | 81.9%-31.9pp | 69.6%-19.6pp |
| Annual return | 18.51% | 24.20%-5.7pp | 151.12%-132.6pp | 31.71%-13.2pp |
| Employer contribution / active EE | $1,186 | $3,257-63.6% | $5,011-76.3% | $2,471-52.0% |
| Participant deferral / active EE | $1,754 | $3,237-45.8% | $5,202-66.3% | $3,741-53.1% |
| Admin fee / account holder | $539 | $6,748-92.0% | $13,987-96.1% | $5,306-89.8% |