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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 | $11,690 | $76,407-84.7% | $150,298-92.2% | $82,448-85.8% |
| Participation rate | 46.6% | 66.4%-19.8pp | 77.8%-31.2pp | 68.1%-21.5pp |
| Annual return | 19.11% | 39.99%-20.9pp | 62.79%-43.7pp | 41.64%-22.5pp |
| Employer contribution / active EE | $923 | $2,614-64.7% | $4,154-77.8% | $2,551-63.8% |
| Participant deferral / active EE | $1,312 | $3,214-59.2% | $5,453-75.9% | $4,139-68.3% |
| Admin fee / account holder | $893 | $6,352-85.9% | $14,116-93.7% | $7,234-87.7% |