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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 | $27,893 | $81,331-65.7% | $155,534-82.1% | $80,935-65.5% |
| Participation rate | 41.4% | 66.3%-24.9pp | 78.2%-36.8pp | 67.7%-26.3pp |
| Annual return | 10.86% | 33.37%-22.5pp | 64.92%-54.1pp | 35.66%-24.8pp |
| Employer contribution / active EE | $779 | $3,105-74.9% | $4,675-83.3% | $2,757-71.7% |
| Participant deferral / active EE | $1,189 | $3,454-65.6% | $5,630-78.9% | $4,299-72.3% |
| Admin fee / account holder | $1,383 | $7,999-82.7% | $15,900-91.3% | $6,924-80.0% |