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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 | $22,954 | $124,314-81.5% | $109,163-79.0% | $167,518-86.3% |
| Participation rate | 55.6% | 79.4%-23.9pp | 75.9%-20.3pp | 82.1%-26.6pp |
| Annual return | 15.99% | 26.04%-10.0pp | 25.75%-9.8pp | 478.71%-462.7pp |
| Employer contribution / active EE | $1,031 | $4,209-75.5% | $3,723-72.3% | $4,838-78.7% |
| Participant deferral / active EE | $2,287 | $5,256-56.5% | $4,654-50.9% | $6,342-63.9% |
| Admin fee / account holder | $744 | $7,973-90.7% | $6,754-89.0% | $12,312-94.0% |