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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 | $16,428 | $77,908-78.9% | $149,696-89.0% | $75,173-78.1% |
| Participation rate | 52.2% | 65.6%-13.4pp | 78.8%-26.6pp | 67.2%-15.0pp |
| Annual return | 18.44% | 31.73%-13.3pp | 134.46%-116.0pp | 160.72%-142.3pp |
| Employer contribution / active EE | $1,010 | $3,138-67.8% | $4,821-79.0% | $2,671-62.2% |
| Participant deferral / active EE | $1,863 | $3,411-45.4% | $5,682-67.2% | $4,126-54.9% |
| Admin fee / account holder | $901 | $5,950-84.9% | $13,212-93.2% | $5,651-84.1% |