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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 | $67,894-65.8% | $89,340-74.0% | $82,448-71.8% |
| Participation rate | 39.5% | 64.0%-24.5pp | 69.6%-30.0pp | 68.1%-28.5pp |
| Annual return | 19.18% | 19.21%0pp | 20.57%-1.4pp | 41.64%-22.5pp |
| Employer contribution / active EE | $761 | $1,828-58.4% | $2,231-65.9% | $2,551-70.2% |
| Participant deferral / active EE | $1,279 | $3,072-58.4% | $3,823-66.5% | $4,139-69.1% |
| Admin fee / account holder | $1,363 | $5,723-76.2% | $6,704-79.7% | $7,234-81.2% |