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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 | $12,972 | $58,057-77.7% | $97,032-86.6% | $86,983-85.1% |
| Participation rate | 26.3% | 60.4%-34.0pp | 71.6%-45.2pp | 69.5%-43.2pp |
| Annual return | 17.22% | 22.26%-5.0pp | 35.38%-18.2pp | 25.83%-8.6pp |
| Employer contribution / active EE | $410 | $1,663-75.3% | $2,629-84.4% | $2,584-84.1% |
| Participant deferral / active EE | $876 | $3,244-73.0% | $4,672-81.2% | $4,194-79.1% |
| Admin fee / account holder | $1,425 | $4,839-70.6% | $9,418-84.9% | $7,856-81.9% |