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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 | $19,079 | $78,690-75.8% | $161,489-88.2% | $87,485-78.2% |
| Participation rate | 53.1% | 67.5%-14.3pp | 78.7%-25.6pp | 68.9%-15.8pp |
| Annual return | 20.74% | 32.74%-12.0pp | 89.72%-69.0pp | 26.06%-5.3pp |
| Employer contribution / active EE | $710 | $2,588-72.6% | $4,268-83.4% | $2,596-72.6% |
| Participant deferral / active EE | $3,063 | $3,311-7.5% | $5,630-45.6% | $4,274-28.3% |
| Admin fee / account holder | $2,321 | $6,724-65.5% | $16,006-85.5% | $7,775-70.2% |