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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 | $78,690-51.6% | $161,489-76.4% | $87,485-56.5% |
| Participation rate | 18.9% | 67.5%-48.5pp | 78.7%-59.8pp | 68.9%-50.0pp |
| Annual return | 16.77% | 32.74%-16.0pp | 89.72%-72.9pp | 26.06%-9.3pp |
| Employer contribution / active EE | $492 | $2,588-81.0% | $4,268-88.5% | $2,596-81.1% |
| Participant deferral / active EE | $973 | $3,311-70.6% | $5,630-82.7% | $4,274-77.2% |
| Admin fee / account holder | $7,668 | $6,724+14.0% | $16,006-52.1% | $7,775-1.4% |