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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 | $75,720-69.3% | $90,312-74.3% | $86,983-73.3% |
| Participation rate | 39.5% | 66.3%-26.7pp | 72.9%-33.4pp | 69.5%-30.0pp |
| Annual return | 19.18% | 18.55%+0.6pp | 18.90%+0.3pp | 25.83%-6.7pp |
| Employer contribution / active EE | $761 | $1,945-60.9% | $2,243-66.1% | $2,584-70.6% |
| Participant deferral / active EE | $1,279 | $3,001-57.4% | $3,749-65.9% | $4,194-69.5% |
| Admin fee / account holder | $1,363 | $6,201-78.0% | $8,248-83.5% | $7,856-82.6% |