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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 | $24,975 | $75,541-66.9% | $152,093-83.6% | $82,637-69.8% |
| Participation rate | 22.8% | 66.5%-43.7pp | 77.8%-55.0pp | 68.1%-45.2pp |
| Annual return | 19.08% | 32.56%-13.5pp | 66.36%-47.3pp | 53.51%-34.4pp |
| Employer contribution / active EE | $804 | $2,622-69.3% | $4,175-80.7% | $2,552-68.5% |
| Participant deferral / active EE | $918 | $3,206-71.4% | $5,451-83.2% | $4,126-77.8% |
| Admin fee / account holder | $716 | $6,405-88.8% | $14,497-95.1% | $7,339-90.2% |