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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 | $38,068 | $76,407-50.2% | $150,298-74.7% | $82,448-53.8% |
| Participation rate | 18.9% | 66.4%-47.5pp | 77.8%-58.8pp | 68.1%-49.1pp |
| Annual return | 16.77% | 39.99%-23.2pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $492 | $2,614-81.2% | $4,154-88.2% | $2,551-80.7% |
| Participant deferral / active EE | $973 | $3,214-69.7% | $5,453-82.2% | $4,139-76.5% |
| Admin fee / account holder | $7,668 | $6,352+20.7% | $14,116-45.7% | $7,234+6.0% |