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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 | $22,584 | $58,493-61.4% | $84,023-73.1% | $72,976-69.1% |
| Participation rate | 57.3% | 61.2%-3.9pp | 69.0%-11.7pp | 69.5%-12.2pp |
| Annual return | 20.92% | 28.93%-8.0pp | 71.32%-50.4pp | 81.02%-60.1pp |
| Employer contribution / active EE | $632 | $1,163-45.6% | $1,984-68.1% | $2,440-74.1% |
| Participant deferral / active EE | $2,523 | $2,394+5.4% | $3,239-22.1% | $3,608-30.1% |
| Admin fee / account holder | $792 | $4,569-82.7% | $6,102-87.0% | $5,124-84.5% |