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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 | $34,559 | $72,273-52.2% | $101,275-65.9% | $79,856-56.7% |
| Participation rate | 19.6% | 68.5%-48.9pp | 75.8%-56.2pp | 69.6%-50.0pp |
| Annual return | 16.58% | 22.30%-5.7pp | 46.48%-29.9pp | 31.71%-15.1pp |
| Employer contribution / active EE | $685 | $2,691-74.5% | $3,660-81.3% | $2,471-72.3% |
| Participant deferral / active EE | $1,750 | $3,282-46.7% | $4,371-60.0% | $3,741-53.2% |
| Admin fee / account holder | $1,984 | $4,401-54.9% | $5,948-66.7% | $5,306-62.6% |