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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 | $18,518 | $91,086-79.7% | $203,872-90.9% | $86,983-78.7% |
| Participation rate | 39.4% | 65.8%-26.4pp | 77.8%-38.4pp | 69.5%-30.1pp |
| Annual return | 19.89% | 22.30%-2.4pp | 85.11%-65.2pp | 25.83%-5.9pp |
| Employer contribution / active EE | $830 | $2,063-59.8% | $3,757-77.9% | $2,584-67.9% |
| Participant deferral / active EE | $1,598 | $4,019-60.2% | $6,388-75.0% | $4,194-61.9% |
| Admin fee / account holder | $1,051 | $8,987-88.3% | $11,730-91.0% | $7,856-86.6% |