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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 | $20,910 | $87,166-76.0% | $76,735-72.8% | $137,256-84.8% |
| Participation rate | 45.5% | 74.4%-28.9pp | 69.5%-24.0pp | 80.0%-34.5pp |
| Annual return | 19.31% | 26.50%-7.2pp | 29.77%-10.5pp | 220.34%-201.0pp |
| Employer contribution / active EE | $894 | $2,904-69.2% | $2,454-63.6% | $4,156-78.5% |
| Participant deferral / active EE | $1,049 | $4,726-77.8% | $4,088-74.3% | $6,407-83.6% |
| Admin fee / account holder | $2,643 | $8,403-68.5% | $7,189-63.2% | $12,270-78.5% |