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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 | $10,908 | $57,590-81.1% | $86,233-87.4% | $82,448-86.8% |
| Participation rate | 69.2% | 57.9%+11.4pp | 69.0%+0.2pp | 68.1%+1.2pp |
| Annual return | 22.63% | 22.41%+0.2pp | 61.39%-38.8pp | 41.64%-19.0pp |
| Employer contribution / active EE | $1,232 | $1,655-25.6% | $2,504-50.8% | $2,551-51.7% |
| Participant deferral / active EE | $1,689 | $3,080-45.2% | $4,559-63.0% | $4,139-59.2% |
| Admin fee / account holder | $610 | $4,730-87.1% | $8,342-92.7% | $7,234-91.6% |