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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 | $28,550 | $73,107-60.9% | $114,563-75.1% | $87,485-67.4% |
| Participation rate | 25.6% | 65.8%-40.2pp | 72.9%-47.3pp | 68.9%-43.4pp |
| Annual return | 19.77% | 19.47%+0.3pp | 241.09%-221.3pp | 26.06%-6.3pp |
| Employer contribution / active EE | $984 | $1,881-47.7% | $2,592-62.1% | $2,596-62.1% |
| Participant deferral / active EE | $1,861 | $3,144-40.8% | $4,142-55.1% | $4,274-56.5% |
| Admin fee / account holder | $309 | $5,770-94.6% | $7,623-95.9% | $7,775-96.0% |