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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 | $18,789 | $45,343-58.6% | $150,298-87.5% | $67,986-72.4% |
| Participation rate | 28.1% | 51.9%-23.8pp | 77.8%-49.7pp | 57.2%-29.2pp |
| Annual return | 21.49% | 33.28%-11.8pp | 62.79%-41.3pp | 31.67%-10.2pp |
| Employer contribution / active EE | $358 | $1,462-75.5% | $4,154-91.4% | $2,019-82.3% |
| Participant deferral / active EE | $913 | $2,055-55.6% | $5,453-83.3% | $3,358-72.8% |
| Admin fee / account holder | $861 | $2,250-61.7% | $14,116-93.9% | $3,203-73.1% |