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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 | $77,814-75.5% | $158,223-87.9% | $86,983-78.1% |
| Participation rate | 53.1% | 68.4%-15.3pp | 79.2%-26.1pp | 69.5%-16.4pp |
| Annual return | 20.74% | 30.54%-9.8pp | 52.09%-31.3pp | 25.83%-5.1pp |
| Employer contribution / active EE | $710 | $2,592-72.6% | $4,109-82.7% | $2,584-72.5% |
| Participant deferral / active EE | $3,063 | $3,270-6.3% | $5,467-44.0% | $4,194-27.0% |
| Admin fee / account holder | $2,321 | $5,879-60.5% | $16,047-85.5% | $7,856-70.5% |