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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 | $55,902-65.2% | $76,030-74.4% | $80,959-75.9% |
| Participation rate | 48.5% | 62.1%-13.6pp | 69.1%-20.6pp | 67.7%-19.2pp |
| Annual return | 11.96% | 20.59%-8.6pp | 361.54%-349.6pp | 35.67%-23.7pp |
| Employer contribution / active EE | $949 | $1,867-49.2% | $2,688-64.7% | $2,757-65.6% |
| Participant deferral / active EE | $1,554 | $3,051-49.0% | $4,257-63.5% | $4,300-63.9% |
| Admin fee / account holder | $2,446 | $5,239-53.3% | $6,421-61.9% | $6,925-64.7% |