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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 | $48,011-59.1% | $63,803-69.2% | $82,637-76.3% |
| Participation rate | 29.4% | 66.6%-37.2pp | 72.7%-43.3pp | 68.1%-38.6pp |
| Annual return | 13.24% | 19.84%-6.6pp | 543.72%-530.5pp | 53.51%-40.3pp |
| Employer contribution / active EE | $1,030 | $1,904-45.9% | $2,532-59.3% | $2,552-59.7% |
| Participant deferral / active EE | $2,186 | $2,846-23.2% | $3,843-43.1% | $4,126-47.0% |
| Admin fee / account holder | $1,449 | $3,873-62.6% | $5,196-72.1% | $7,339-80.3% |