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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 | $40,001 | $48,576-17.7% | $169,452-76.4% | $56,289-28.9% |
| Participation rate | 39.4% | 65.8%-26.4pp | 77.8%-38.3pp | 69.9%-30.4pp |
| Annual return | 14.18% | -2.51%+16.7pp | 1.83%+12.3pp | -9.96%+24.1pp |
| Employer contribution / active EE | $669 | $1,559-57.1% | $4,157-83.9% | $2,111-68.3% |
| Participant deferral / active EE | $2,304 | $3,275-29.7% | $5,277-56.3% | $3,350-31.2% |
| Admin fee / account holder | $607 | $435+39.5% | $9,110-93.3% | $521+16.5% |