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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 | $20,491 | $33,067-38.0% | $76,518-73.2% | $56,289-63.6% |
| Participation rate | 15.1% | 55.4%-40.3pp | 68.0%-52.9pp | 69.9%-54.8pp |
| Annual return | 10.17% | 2.72%+7.5pp | -0.27%+10.4pp | -9.96%+20.1pp |
| Employer contribution / active EE | $430 | $1,200-64.2% | $2,647-83.8% | $2,111-79.7% |
| Participant deferral / active EE | $952 | $2,240-57.5% | $3,836-75.2% | $3,350-71.6% |
| Admin fee / account holder | $1,938 | $537+260.9% | $4,849-60.0% | $521+272.0% |