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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 | $20,924 | $84,236-75.2% | $170,439-87.7% | $70,124-70.2% |
| Participation rate | 48.7% | 70.8%-22.1pp | 83.6%-34.9pp | 69.5%-20.9pp |
| Annual return | 17.78% | 23.06%-5.3pp | 205.94%-188.2pp | 73.14%-55.4pp |
| Employer contribution / active EE | $424 | $3,387-87.5% | $5,433-92.2% | $2,342-81.9% |
| Participant deferral / active EE | $1,336 | $3,086-56.7% | $4,939-72.9% | $3,332-59.9% |
| Admin fee / account holder | $1,505 | $5,698-73.6% | $13,881-89.2% | $4,645-67.6% |