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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 | $22,231 | $56,110-60.4% | $94,993-76.6% | $70,126-68.3% |
| Participation rate | 48.1% | 65.0%-16.8pp | 73.9%-25.7pp | 69.5%-21.4pp |
| Annual return | 18.93% | 51.02%-32.1pp | 27.14%-8.2pp | 73.15%-54.2pp |
| Employer contribution / active EE | $623 | $1,442-56.8% | $2,603-76.1% | $2,343-73.4% |
| Participant deferral / active EE | $1,030 | $2,391-56.9% | $3,317-68.9% | $3,332-69.1% |
| Admin fee / account holder | $331 | $3,456-90.4% | $4,960-93.3% | $4,645-92.9% |