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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 | $19,624 | $50,554-61.2% | $67,681-71.0% | $87,485-77.6% |
| Participation rate | 29.4% | 67.7%-38.3pp | 73.7%-44.3pp | 68.9%-39.5pp |
| Annual return | 13.24% | 17.81%-4.6pp | 590.58%-577.3pp | 26.06%-12.8pp |
| Employer contribution / active EE | $1,030 | $1,988-48.2% | $2,678-61.6% | $2,596-60.3% |
| Participant deferral / active EE | $2,186 | $2,961-26.2% | $3,976-45.0% | $4,274-48.9% |
| Admin fee / account holder | $1,449 | $4,132-64.9% | $6,100-76.3% | $7,775-81.4% |