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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 | $22,078 | $72,269-69.5% | $101,271-78.2% | $79,852-72.4% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 22.54% | 22.29%+0.2pp | 46.48%-23.9pp | 31.72%-9.2pp |
| Employer contribution / active EE | $1,227 | $2,692-54.4% | $3,660-66.5% | $2,471-50.3% |
| Participant deferral / active EE | $2,924 | $3,282-10.9% | $4,371-33.1% | $3,740-21.8% |
| Admin fee / account holder | $2,387 | $4,401-45.8% | $5,948-59.9% | $5,306-55.0% |