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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 | $23,212 | $72,607-68.0% | $90,259-74.3% | $87,485-73.5% |
| Participation rate | 39.5% | 64.8%-25.3pp | 70.7%-31.2pp | 68.9%-29.4pp |
| Annual return | 19.18% | 18.59%+0.6pp | 18.88%+0.3pp | 26.06%-6.9pp |
| Employer contribution / active EE | $761 | $1,919-60.4% | $2,291-66.8% | $2,596-70.7% |
| Participant deferral / active EE | $1,279 | $3,055-58.1% | $3,827-66.6% | $4,274-70.1% |
| Admin fee / account holder | $1,363 | $5,947-77.1% | $7,267-81.2% | $7,775-82.5% |