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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 | $18,211 | $57,073-68.1% | $85,126-78.6% | $80,925-77.5% |
| Participation rate | 50.0% | 56.4%-6.4pp | 67.5%-17.5pp | 67.7%-17.7pp |
| Annual return | 15.70% | 21.69%-6.0pp | 66.63%-50.9pp | 35.65%-19.9pp |
| Employer contribution / active EE | $1,540 | $1,801-14.5% | $2,731-43.6% | $2,756-44.1% |
| Participant deferral / active EE | $1,260 | $3,113-59.5% | $4,523-72.2% | $4,299-70.7% |
| Admin fee / account holder | $431 | $4,988-91.4% | $6,160-93.0% | $6,940-93.8% |