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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 | $26,782 | $58,828-54.5% | $78,002-65.7% | $62,881-57.4% |
| Participation rate | 50.9% | 71.1%-20.1pp | 75.5%-24.6pp | 69.3%-18.4pp |
| Annual return | 5.50% | 17.16%-11.7pp | 425.99%-420.5pp | 20.14%-14.6pp |
| Employer contribution / active EE | $356 | $1,672-78.7% | $2,470-85.6% | $2,281-84.4% |
| Participant deferral / active EE | $1,781 | $2,686-33.7% | $3,497-49.1% | $3,203-44.4% |
| Admin fee / account holder | $1,221 | $4,393-72.2% | $5,481-77.7% | $4,296-71.6% |