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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 | $16,208 | $58,627-72.4% | $76,735-78.9% | $82,448-80.3% |
| Participation rate | 22.9% | 63.2%-40.3pp | 69.5%-46.6pp | 68.1%-45.2pp |
| Annual return | 22.43% | 39.10%-16.7pp | 29.77%-7.3pp | 41.64%-19.2pp |
| Employer contribution / active EE | $982 | $1,729-43.2% | $2,454-60.0% | $2,551-61.5% |
| Participant deferral / active EE | $1,882 | $3,134-39.9% | $4,088-54.0% | $4,139-54.5% |
| Admin fee / account holder | $3,722 | $5,323-30.1% | $7,189-48.2% | $7,234-48.5% |