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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 | $24,133 | $36,904-34.6% | $158,223-84.7% | $65,191-63.0% |
| Participation rate | 37.1% | 62.1%-25.0pp | 79.2%-42.1pp | 63.0%-25.9pp |
| Annual return | 21.53% | 24.43%-2.9pp | 52.09%-30.6pp | 51.24%-29.7pp |
| Employer contribution / active EE | $755 | $1,489-49.3% | $4,109-81.6% | $2,400-68.5% |
| Participant deferral / active EE | $1,943 | $1,936+0.4% | $5,467-64.5% | $2,671-27.3% |
| Admin fee / account holder | $1,539 | $793+94.1% | $16,047-90.4% | $907+69.7% |