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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 | $16,485 | $57,590-71.4% | $86,233-80.9% | $82,448-80.0% |
| Participation rate | 42.9% | 57.9%-15.0pp | 69.0%-26.2pp | 68.1%-25.2pp |
| Annual return | 21.26% | 22.41%-1.2pp | 61.39%-40.1pp | 41.64%-20.4pp |
| Employer contribution / active EE | $817 | $1,655-50.6% | $2,504-67.4% | $2,551-68.0% |
| Participant deferral / active EE | $3,189 | $3,080+3.5% | $4,559-30.1% | $4,139-23.0% |
| Admin fee / account holder | $720 | $4,730-84.8% | $8,342-91.4% | $7,234-90.0% |