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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 | $13,737 | $52,279-73.7% | $89,435-84.6% | $79,856-82.8% |
| Participation rate | 31.8% | 57.5%-25.7pp | 68.0%-36.2pp | 69.6%-37.8pp |
| Annual return | 32.69% | 22.16%+10.5pp | 245.55%-212.9pp | 31.71%+1.0pp |
| Employer contribution / active EE | $732 | $1,572-53.4% | $2,587-71.7% | $2,471-70.4% |
| Participant deferral / active EE | $852 | $2,740-68.9% | $3,890-78.1% | $3,741-77.2% |
| Admin fee / account holder | $361 | $3,356-89.2% | $4,884-92.6% | $5,306-93.2% |