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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 | $19,499 | $93,064-79.0% | $74,577-73.9% | $273,972-92.9% |
| Participation rate | 56.3% | 74.9%-18.7pp | 68.1%-11.9pp | 83.0%-26.8pp |
| Annual return | 12.54% | 26.18%-13.6pp | 20.47%-7.9pp | 41.46%-28.9pp |
| Employer contribution / active EE | $1,268 | $3,160-59.9% | $2,525-49.8% | $4,869-74.0% |
| Participant deferral / active EE | $2,908 | $4,160-30.1% | $3,458-15.9% | $5,287-45.0% |
| Admin fee / account holder | $1,015 | $5,273-80.8% | $4,138-75.5% | $10,133-90.0% |