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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 | $25,774 | $69,383-62.9% | $101,275-74.6% | $73,497-64.9% |
| Participation rate | 45.6% | 68.4%-22.7pp | 75.8%-30.2pp | 70.7%-25.1pp |
| Annual return | 20.90% | 18.46%+2.4pp | 46.48%-25.6pp | 28.51%-7.6pp |
| Employer contribution / active EE | $994 | $2,628-62.2% | $3,660-72.8% | $2,270-56.2% |
| Participant deferral / active EE | $1,779 | $3,301-46.1% | $4,371-59.3% | $3,740-52.4% |
| Admin fee / account holder | $517 | $704-26.6% | $5,948-91.3% | $513+0.7% |