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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 | $21,905 | $81,276-73.0% | $155,574-85.9% | $80,925-72.9% |
| Participation rate | 48.2% | 66.2%-18.0pp | 78.2%-30.0pp | 67.7%-19.4pp |
| Annual return | 11.63% | 33.36%-21.7pp | 64.87%-53.2pp | 35.65%-24.0pp |
| Employer contribution / active EE | $811 | $3,103-73.9% | $4,676-82.6% | $2,756-70.6% |
| Participant deferral / active EE | $1,156 | $3,453-66.5% | $5,629-79.5% | $4,299-73.1% |
| Admin fee / account holder | $1,738 | $7,993-78.3% | $15,914-89.1% | $6,940-75.0% |