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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 | $23,984 | $49,791-51.8% | $78,210-69.3% | $70,126-65.8% |
| Participation rate | 40.7% | 62.3%-21.6pp | 68.7%-28.0pp | 69.5%-28.8pp |
| Annual return | 14.32% | 20.75%-6.4pp | 40.90%-26.6pp | 73.15%-58.8pp |
| Employer contribution / active EE | $645 | $1,430-54.9% | $2,034-68.3% | $2,343-72.5% |
| Participant deferral / active EE | $1,246 | $2,150-42.1% | $2,823-55.9% | $3,332-62.6% |
| Admin fee / account holder | $4,862 | $3,181+52.9% | $3,758+29.4% | $4,645+4.7% |