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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 | $26,864 | $56,121-52.1% | $92,985-71.1% | $64,340-58.2% |
| Participation rate | 31.8% | 44.9%-13.1pp | 69.5%-37.7pp | 55.2%-23.4pp |
| Annual return | 17.61% | 19.19%-1.6pp | 27.99%-10.4pp | 24.14%-6.5pp |
| Employer contribution / active EE | $597 | $1,351-55.8% | $2,662-77.6% | $1,862-67.9% |
| Participant deferral / active EE | $1,745 | $2,362-26.1% | $4,377-60.1% | $2,980-41.4% |
| Admin fee / account holder | $1,176 | $6,869-82.9% | $9,463-87.6% | $3,703-68.2% |