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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 | $63,703-55.2% | $93,063-69.3% | $82,448-65.4% |
| Participation rate | 25.6% | 63.8%-38.2pp | 72.1%-46.5pp | 68.1%-42.5pp |
| Annual return | 19.77% | -775.43%+795.2pp | 34.15%-14.4pp | 41.64%-21.9pp |
| Employer contribution / active EE | $984 | $1,729-43.1% | $2,476-60.3% | $2,551-61.4% |
| Participant deferral / active EE | $1,861 | $2,919-36.2% | $3,958-53.0% | $4,139-55.0% |
| Admin fee / account holder | $309 | $5,982-94.8% | $6,033-94.9% | $7,234-95.7% |