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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 | $26,116 | $75,541-65.4% | $152,093-82.8% | $82,637-68.4% |
| Participation rate | 25.0% | 66.5%-41.5pp | 77.8%-52.8pp | 68.1%-43.1pp |
| Annual return | 21.83% | 32.56%-10.7pp | 66.36%-44.5pp | 53.51%-31.7pp |
| Employer contribution / active EE | $619 | $2,622-76.4% | $4,175-85.2% | $2,552-75.7% |
| Participant deferral / active EE | $1,591 | $3,206-50.4% | $5,451-70.8% | $4,126-61.4% |
| Admin fee / account holder | $4,031 | $6,405-37.1% | $14,497-72.2% | $7,339-45.1% |