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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 | $19,807 | $47,848-58.6% | $81,473-75.7% | $70,126-71.8% |
| Participation rate | 52.9% | 58.3%-5.3pp | 68.0%-15.0pp | 69.5%-16.6pp |
| Annual return | 20.39% | 27.25%-6.9pp | 38.78%-18.4pp | 73.15%-52.8pp |
| Employer contribution / active EE | $1,121 | $1,527-26.6% | $2,568-56.4% | $2,343-52.2% |
| Participant deferral / active EE | $2,111 | $2,453-13.9% | $3,537-40.3% | $3,332-36.6% |
| Admin fee / account holder | $1,209 | $3,145-61.6% | $4,561-73.5% | $4,645-74.0% |