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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 | $26,688 | $91,198-70.7% | $178,503-85.0% | $79,856-66.6% |
| Participation rate | 30.0% | 69.2%-39.2pp | 81.9%-51.9pp | 69.6%-39.6pp |
| Annual return | 21.56% | 24.20%-2.6pp | 151.12%-129.6pp | 31.71%-10.2pp |
| Employer contribution / active EE | $896 | $3,257-72.5% | $5,011-82.1% | $2,471-63.7% |
| Participant deferral / active EE | $1,170 | $3,237-63.8% | $5,202-77.5% | $3,741-68.7% |
| Admin fee / account holder | $388 | $6,748-94.2% | $13,987-97.2% | $5,306-92.7% |