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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 | $78,690-78.9% | $161,489-89.7% | $87,485-81.1% |
| Participation rate | 35.3% | 67.5%-32.2pp | 78.7%-43.4pp | 68.9%-33.6pp |
| Annual return | 19.41% | 32.74%-13.3pp | 89.72%-70.3pp | 26.06%-6.7pp |
| Employer contribution / active EE | $837 | $2,588-67.7% | $4,268-80.4% | $2,596-67.8% |
| Participant deferral / active EE | $1,306 | $3,311-60.6% | $5,630-76.8% | $4,274-69.4% |
| Admin fee / account holder | $1,499 | $6,724-77.7% | $16,006-90.6% | $7,775-80.7% |