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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 | $16,465 | $77,920-78.9% | $149,723-89.0% | $75,177-78.1% |
| Participation rate | 56.5% | 65.6%-9.1pp | 78.8%-22.3pp | 67.2%-10.8pp |
| Annual return | 29.32% | 31.72%-2.4pp | 134.50%-105.2pp | 160.75%-131.4pp |
| Employer contribution / active EE | $848 | $3,138-73.0% | $4,821-82.4% | $2,671-68.3% |
| Participant deferral / active EE | $3,875 | $3,411+13.6% | $5,682-31.8% | $4,126-6.1% |
| Admin fee / account holder | $1,331 | $5,951-77.6% | $13,215-89.9% | $5,651-76.4% |