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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 | $24,050 | $73,787-67.4% | $98,716-75.6% | $82,448-70.8% |
| Participation rate | 41.8% | 61.4%-19.6pp | 69.3%-27.5pp | 68.1%-26.2pp |
| Annual return | 17.86% | 18.57%-0.7pp | 31.81%-13.9pp | 41.64%-23.8pp |
| Employer contribution / active EE | $434 | $1,511-71.3% | $2,279-81.0% | $2,551-83.0% |
| Participant deferral / active EE | $1,384 | $3,081-55.1% | $4,048-65.8% | $4,139-66.6% |
| Admin fee / account holder | $1,284 | $6,500-80.2% | $8,703-85.2% | $7,234-82.2% |