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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 | $39,452 | $84,236-53.2% | $170,435-76.9% | $70,126-43.7% |
| Participation rate | 35.4% | 70.8%-35.5pp | 83.6%-48.2pp | 69.5%-34.2pp |
| Annual return | 12.17% | 23.06%-10.9pp | 205.94%-193.8pp | 73.15%-61.0pp |
| Employer contribution / active EE | $424 | $3,387-87.5% | $5,432-92.2% | $2,343-81.9% |
| Participant deferral / active EE | $2,020 | $3,086-34.5% | $4,939-59.1% | $3,332-39.4% |
| Admin fee / account holder | $965 | $5,698-83.1% | $13,881-93.0% | $4,645-79.2% |