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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 | $18,698 | $81,276-77.0% | $155,574-88.0% | $80,925-76.9% |
| Participation rate | 24.6% | 66.2%-41.7pp | 78.2%-53.7pp | 67.7%-43.1pp |
| Annual return | 29.56% | 33.36%-3.8pp | 64.87%-35.3pp | 35.65%-6.1pp |
| Employer contribution / active EE | $453 | $3,103-85.4% | $4,676-90.3% | $2,756-83.5% |
| Participant deferral / active EE | $945 | $3,453-72.6% | $5,629-83.2% | $4,299-78.0% |
| Admin fee / account holder | $530 | $7,993-93.4% | $15,914-96.7% | $6,940-92.4% |