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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 | $20,489 | $77,908-73.7% | $149,696-86.3% | $75,173-72.7% |
| Participation rate | 37.6% | 65.6%-27.9pp | 78.8%-41.1pp | 67.2%-29.6pp |
| Annual return | 16.49% | 31.73%-15.2pp | 134.46%-118.0pp | 160.72%-144.2pp |
| Employer contribution / active EE | $531 | $3,138-83.1% | $4,821-89.0% | $2,671-80.1% |
| Participant deferral / active EE | $1,401 | $3,411-58.9% | $5,682-75.3% | $4,126-66.1% |
| Admin fee / account holder | $1,033 | $5,950-82.6% | $13,212-92.2% | $5,651-81.7% |