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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 | $19,478 | $56,060-65.3% | $76,002-74.4% | $80,874-75.9% |
| Participation rate | 48.5% | 62.0%-13.6pp | 69.1%-20.6pp | 67.6%-19.2pp |
| Annual return | 11.96% | 20.54%-8.6pp | 360.07%-348.1pp | 35.62%-23.7pp |
| Employer contribution / active EE | $949 | $1,873-49.4% | $2,688-64.7% | $2,756-65.6% |
| Participant deferral / active EE | $1,554 | $3,051-49.1% | $4,257-63.5% | $4,297-63.8% |
| Admin fee / account holder | $2,446 | $5,237-53.3% | $6,414-61.9% | $6,935-64.7% |