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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 | $14,094 | $46,534-69.7% | $64,097-78.0% | $75,177-81.3% |
| Participation rate | 56.8% | 65.9%-9.2pp | 72.3%-15.6pp | 67.2%-10.4pp |
| Annual return | 18.72% | 26.07%-7.3pp | 33.75%-15.0pp | 160.75%-142.0pp |
| Employer contribution / active EE | $1,544 | $1,976-21.9% | $2,750-43.9% | $2,671-42.2% |
| Participant deferral / active EE | $2,885 | $2,835+1.8% | $3,881-25.7% | $4,126-30.1% |
| Admin fee / account holder | $1,169 | $2,957-60.5% | $3,070-61.9% | $5,651-79.3% |