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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 | $22,568 | $58,848-61.6% | $88,179-74.4% | $82,637-72.7% |
| Participation rate | 69.0% | 57.9%+11.1pp | 69.1%-0.1pp | 68.1%+1.0pp |
| Annual return | 16.06% | 22.76%-6.7pp | 64.97%-48.9pp | 53.51%-37.4pp |
| Employer contribution / active EE | $1,353 | $1,678-19.4% | $2,549-46.9% | $2,552-47.0% |
| Participant deferral / active EE | $2,620 | $3,124-16.1% | $4,614-43.2% | $4,126-36.5% |
| Admin fee / account holder | $1,760 | $4,795-63.3% | $7,673-77.1% | $7,339-76.0% |