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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 | $23,775 | $104,251-77.2% | $91,004-73.9% | $147,586-83.9% |
| Participation rate | 63.2% | 78.2%-15.1pp | 75.6%-12.4pp | 82.8%-19.7pp |
| Annual return | 13.52% | 27.06%-13.5pp | 4.60%+8.9pp | 578.59%-565.1pp |
| Employer contribution / active EE | $1,188 | $3,116-61.9% | $2,456-51.6% | $4,876-75.6% |
| Participant deferral / active EE | $1,897 | $4,195-54.8% | $3,548-46.5% | $5,439-65.1% |
| Admin fee / account holder | $1,257 | $8,948-86.0% | $5,417-76.8% | $10,886-88.5% |