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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 | $16,567 | $77,814-78.7% | $158,223-89.5% | $86,983-81.0% |
| Participation rate | 35.3% | 68.4%-33.1pp | 79.2%-43.9pp | 69.5%-34.2pp |
| Annual return | 19.41% | 30.54%-11.1pp | 52.09%-32.7pp | 25.83%-6.4pp |
| Employer contribution / active EE | $837 | $2,592-67.7% | $4,109-79.6% | $2,584-67.6% |
| Participant deferral / active EE | $1,306 | $3,270-60.1% | $5,467-76.1% | $4,194-68.9% |
| Admin fee / account holder | $1,499 | $5,879-74.5% | $16,047-90.7% | $7,856-80.9% |