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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 | $21,846 | $56,894-61.6% | $84,753-74.2% | $62,881-65.3% |
| Participation rate | 25.6% | 68.5%-42.9pp | 76.6%-51.0pp | 69.3%-43.7pp |
| Annual return | 10.39% | 6.30%+4.1pp | 22.78%-12.4pp | 20.14%-9.8pp |
| Employer contribution / active EE | $1,627 | $2,400-32.2% | $3,574-54.5% | $2,281-28.7% |
| Participant deferral / active EE | $1,340 | $2,709-50.5% | $3,712-63.9% | $3,203-58.2% |
| Admin fee / account holder | $763 | $3,581-78.7% | $5,333-85.7% | $4,296-82.2% |