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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 | $23,296 | $76,551-69.6% | $123,894-81.2% | $62,881-63.0% |
| Participation rate | 40.9% | 73.0%-32.1pp | 81.4%-40.5pp | 69.3%-28.4pp |
| Annual return | 8.75% | 18.68%-9.9pp | 47.52%-38.8pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,097 | $2,882-62.0% | $4,617-76.2% | $2,281-51.9% |
| Participant deferral / active EE | $2,319 | $4,840-52.1% | $5,984-61.3% | $3,203-27.6% |
| Admin fee / account holder | $438 | $4,826-90.9% | $8,357-94.8% | $4,296-89.8% |