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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 | $15,524 | $62,592-75.2% | $85,709-81.9% | $85,847-81.9% |
| Participation rate | 48.2% | 61.1%-12.9pp | 69.9%-21.6pp | 69.3%-21.1pp |
| Annual return | 17.03% | 23.77%-6.7pp | 21.49%-4.5pp | 318.61%-301.6pp |
| Employer contribution / active EE | $1,077 | $1,755-38.7% | $2,619-58.9% | $2,565-58.0% |
| Participant deferral / active EE | $1,439 | $2,802-48.6% | $3,924-63.3% | $3,952-63.6% |
| Admin fee / account holder | $586 | $4,643-87.4% | $6,876-91.5% | $6,261-90.6% |