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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 | $58,848-78.0% | $88,179-85.3% | $82,637-84.3% |
| Participation rate | 26.3% | 57.9%-31.6pp | 69.1%-42.8pp | 68.1%-41.7pp |
| Annual return | 17.22% | 22.76%-5.5pp | 64.97%-47.8pp | 53.51%-36.3pp |
| Employer contribution / active EE | $410 | $1,678-75.6% | $2,549-83.9% | $2,552-83.9% |
| Participant deferral / active EE | $876 | $3,124-71.9% | $4,614-81.0% | $4,126-78.8% |
| Admin fee / account holder | $1,425 | $4,795-70.3% | $7,673-81.4% | $7,339-80.6% |