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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 | $57,057-67.1% | $85,009-77.9% | $80,874-76.8% |
| Participation rate | 43.4% | 56.4%-13.0pp | 67.5%-24.1pp | 67.6%-24.3pp |
| Annual return | 14.76% | 21.66%-6.9pp | 66.47%-51.7pp | 35.62%-20.9pp |
| Employer contribution / active EE | $1,363 | $1,799-24.2% | $2,728-50.1% | $2,756-50.6% |
| Participant deferral / active EE | $2,076 | $3,112-33.3% | $4,522-54.1% | $4,297-51.7% |
| Admin fee / account holder | $828 | $4,986-83.4% | $6,153-86.5% | $6,935-88.1% |