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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 | $29,067 | $48,050-39.5% | $96,754-70.0% | $64,340-54.8% |
| Participation rate | 24.0% | 40.6%-16.6pp | 70.3%-46.3pp | 55.2%-31.3pp |
| Annual return | 14.72% | 23.41%-8.7pp | 82.04%-67.3pp | 24.14%-9.4pp |
| Employer contribution / active EE | $327 | $1,204-72.8% | $2,679-87.8% | $1,862-82.4% |
| Participant deferral / active EE | $1,044 | $2,191-52.3% | $4,758-78.1% | $2,980-65.0% |
| Admin fee / account holder | $6,554 | $3,741+75.2% | $8,905-26.4% | $3,703+77.0% |