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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 | $28,142 | $46,360-39.3% | $147,617-80.9% | $52,331-46.2% |
| Participation rate | 42.7% | 64.9%-22.2pp | 84.6%-41.9pp | 68.1%-25.4pp |
| Annual return | 9.09% | 1.62%+7.5pp | 61.98%-52.9pp | 4.54%+4.5pp |
| Employer contribution / active EE | $779 | $2,126-63.4% | $5,564-86.0% | $1,882-58.6% |
| Participant deferral / active EE | $1,277 | $2,258-43.4% | $4,895-73.9% | $3,022-57.7% |
| Admin fee / account holder | $1,888 | $766+146.5% | $11,612-83.7% | $592+219.1% |