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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 | $21,934 | $73,955-70.3% | $96,520-77.3% | $75,181-70.8% |
| Participation rate | 69.4% | 66.4%+3.0pp | 74.3%-4.9pp | 67.2%+2.2pp |
| Annual return | 14.76% | 26.72%-12.0pp | 35.72%-21.0pp | 160.69%-145.9pp |
| Employer contribution / active EE | $1,217 | $2,930-58.5% | $3,739-67.4% | $2,671-54.4% |
| Participant deferral / active EE | $1,700 | $3,659-53.6% | $4,879-65.2% | $4,126-58.8% |
| Admin fee / account holder | $1,251 | $5,217-76.0% | $6,733-81.4% | $5,650-77.9% |