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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 | $19,640 | $71,230-72.4% | $93,727-79.0% | $80,959-75.7% |
| Participation rate | 39.1% | 60.4%-21.3pp | 68.7%-29.6pp | 67.7%-28.5pp |
| Annual return | 13.13% | 11.26%+1.9pp | 133.83%-120.7pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,146 | $1,565-26.8% | $2,421-52.7% | $2,757-58.4% |
| Participant deferral / active EE | $1,673 | $4,037-58.6% | $4,417-62.1% | $4,300-61.1% |
| Admin fee / account holder | $1,962 | $6,961-71.8% | $8,292-76.3% | $6,925-71.7% |