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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 | $36,941 | $43,496-15.1% | $161,489-77.1% | $64,340-42.6% |
| Participation rate | 18.4% | 53.5%-35.1pp | 78.7%-60.3pp | 55.2%-36.9pp |
| Annual return | 21.59% | 20.76%+0.8pp | 89.72%-68.1pp | 24.14%-2.6pp |
| Employer contribution / active EE | $376 | $1,431-73.7% | $4,268-91.2% | $1,862-79.8% |
| Participant deferral / active EE | $781 | $1,996-60.9% | $5,630-86.1% | $2,980-73.8% |
| Admin fee / account holder | $2,949 | $2,330+26.5% | $16,006-81.6% | $3,703-20.4% |