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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 | $23,697 | $45,343-47.7% | $150,298-84.2% | $67,986-65.1% |
| Participation rate | 15.9% | 51.9%-36.0pp | 77.8%-61.9pp | 57.2%-41.3pp |
| Annual return | 18.69% | 33.28%-14.6pp | 62.79%-44.1pp | 31.67%-13.0pp |
| Employer contribution / active EE | $320 | $1,462-78.1% | $4,154-92.3% | $2,019-84.2% |
| Participant deferral / active EE | $583 | $2,055-71.6% | $5,453-89.3% | $3,358-82.6% |
| Admin fee / account holder | $2,963 | $2,250+31.7% | $14,116-79.0% | $3,203-7.5% |