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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 | $25,646 | $62,592-59.0% | $85,709-70.1% | $85,847-70.1% |
| Participation rate | 31.3% | 61.1%-29.8pp | 69.9%-38.5pp | 69.3%-38.0pp |
| Annual return | 17.94% | 23.77%-5.8pp | 21.49%-3.6pp | 318.61%-300.7pp |
| Employer contribution / active EE | $774 | $1,755-55.9% | $2,619-70.4% | $2,565-69.8% |
| Participant deferral / active EE | $1,958 | $2,802-30.1% | $3,924-50.1% | $3,952-50.5% |
| Admin fee / account holder | $2,132 | $4,643-54.1% | $6,876-69.0% | $6,261-65.9% |