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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 | $57,119-68.1% | $85,187-78.6% | $80,935-77.5% |
| Participation rate | 50.0% | 56.4%-6.4pp | 67.5%-17.5pp | 67.7%-17.7pp |
| Annual return | 15.70% | 21.70%-6.0pp | 66.67%-51.0pp | 35.66%-20.0pp |
| Employer contribution / active EE | $1,540 | $1,802-14.5% | $2,732-43.6% | $2,757-44.1% |
| Participant deferral / active EE | $1,260 | $3,115-59.6% | $4,525-72.2% | $4,299-70.7% |
| Admin fee / account holder | $431 | $4,990-91.4% | $6,162-93.0% | $6,924-93.8% |