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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 | $18,525 | $52,306-64.6% | $69,779-73.5% | $62,881-70.5% |
| Participation rate | 52.0% | 67.2%-15.2pp | 71.8%-19.8pp | 69.3%-17.3pp |
| Annual return | 12.10% | 13.35%-1.3pp | 12.99%-0.9pp | 20.14%-8.0pp |
| Employer contribution / active EE | $957 | $1,799-46.8% | $2,338-59.1% | $2,281-58.1% |
| Participant deferral / active EE | $4,121 | $2,395+72.1% | $2,931+40.6% | $3,203+28.7% |
| Admin fee / account holder | $490 | $3,691-86.7% | $4,381-88.8% | $4,296-88.6% |