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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 | $14,714 | $48,078-69.4% | $78,676-81.3% | $62,881-76.6% |
| Participation rate | 55.2% | 65.2%-10.0pp | 73.6%-18.4pp | 69.3%-14.1pp |
| Annual return | 12.74% | 31.36%-18.6pp | 62.19%-49.4pp | 20.14%-7.4pp |
| Employer contribution / active EE | $1,453 | $2,015-27.9% | $2,850-49.0% | $2,281-36.3% |
| Participant deferral / active EE | $2,580 | $2,587-0.3% | $3,517-26.6% | $3,203-19.5% |
| Admin fee / account holder | $690 | $3,206-78.5% | $4,510-84.7% | $4,296-83.9% |