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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 | $23,712 | $54,757-56.7% | $90,300-73.7% | $72,983-67.5% |
| Participation rate | 42.9% | 65.1%-22.3pp | 73.3%-30.4pp | 69.5%-26.6pp |
| Annual return | 27.31% | 30.63%-3.3pp | 78.11%-50.8pp | 81.01%-53.7pp |
| Employer contribution / active EE | $0 | $2,092-100.0% | $2,854-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $951 | $2,887-67.1% | $3,884-75.5% | $3,608-73.7% |
| Admin fee / account holder | $803 | $3,972-79.8% | $5,353-85.0% | $5,124-84.3% |