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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 | $75,807-62.3% | $116,096-75.4% | $86,983-67.2% |
| Participation rate | 25.6% | 66.9%-41.3pp | 73.3%-47.7pp | 69.5%-44.0pp |
| Annual return | 19.77% | 18.57%+1.2pp | 326.25%-306.5pp | 25.83%-6.1pp |
| Employer contribution / active EE | $984 | $1,892-48.0% | $2,503-60.7% | $2,584-61.9% |
| Participant deferral / active EE | $1,861 | $3,212-42.1% | $3,952-52.9% | $4,194-55.6% |
| Admin fee / account holder | $309 | $6,659-95.4% | $7,704-96.0% | $7,856-96.1% |