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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 | $22,847 | $51,207-55.4% | $70,565-67.6% | $75,177-69.6% |
| Participation rate | 37.5% | 61.0%-23.5pp | 68.4%-30.9pp | 67.2%-29.7pp |
| Annual return | 15.65% | 30.05%-14.4pp | 32.79%-17.1pp | 160.75%-145.1pp |
| Employer contribution / active EE | $990 | $1,826-45.8% | $2,976-66.7% | $2,671-62.9% |
| Participant deferral / active EE | $1,424 | $2,850-50.0% | $4,568-68.8% | $4,126-65.5% |
| Admin fee / account holder | $1,806 | $4,097-55.9% | $6,430-71.9% | $5,651-68.1% |