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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 | $18,758 | $57,140-67.2% | $85,240-78.0% | $80,959-76.8% |
| Participation rate | 43.4% | 56.4%-13.0pp | 67.5%-24.1pp | 67.7%-24.3pp |
| Annual return | 14.76% | 21.71%-6.9pp | 66.75%-52.0pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,363 | $1,802-24.4% | $2,735-50.2% | $2,757-50.6% |
| Participant deferral / active EE | $2,076 | $3,115-33.3% | $4,527-54.1% | $4,300-51.7% |
| Admin fee / account holder | $828 | $4,992-83.4% | $6,165-86.6% | $6,925-88.0% |