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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 | $18,716 | $43,730-57.2% | $66,674-71.9% | $64,097-70.8% |
| Participation rate | 47.3% | 50.7%-3.5pp | 73.7%-26.4pp | 55.2%-7.9pp |
| Annual return | 14.42% | 53.62%-39.2pp | 321.24%-306.8pp | 34.64%-20.2pp |
| Employer contribution / active EE | $340 | $1,673-79.7% | $2,620-87.0% | $1,891-82.0% |
| Participant deferral / active EE | $1,183 | $2,122-44.3% | $4,084-71.0% | $3,080-61.6% |
| Admin fee / account holder | $6,037 | $2,708+123.0% | $5,098+18.4% | $3,454+74.8% |