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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 | $18,541 | $75,720-75.5% | $90,312-79.5% | $86,983-78.7% |
| Participation rate | 57.4% | 66.3%-8.8pp | 72.9%-15.4pp | 69.5%-12.1pp |
| Annual return | 20.21% | 18.55%+1.7pp | 18.90%+1.3pp | 25.83%-5.6pp |
| Employer contribution / active EE | $648 | $1,945-66.7% | $2,243-71.1% | $2,584-74.9% |
| Participant deferral / active EE | $1,466 | $3,001-51.1% | $3,749-60.9% | $4,194-65.0% |
| Admin fee / account holder | $821 | $6,201-86.8% | $8,248-90.1% | $7,856-89.6% |