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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 | $23,793 | $112,729-78.9% | $98,716-75.9% | $137,256-82.7% |
| Participation rate | 46.7% | 74.2%-27.6pp | 69.3%-22.6pp | 80.0%-33.3pp |
| Annual return | 19.90% | 38.48%-18.6pp | 31.81%-11.9pp | 220.34%-200.4pp |
| Employer contribution / active EE | $1,076 | $2,725-60.5% | $2,279-52.8% | $4,156-74.1% |
| Participant deferral / active EE | $1,379 | $4,640-70.3% | $4,048-65.9% | $6,407-78.5% |
| Admin fee / account holder | $331 | $10,129-96.7% | $8,703-96.2% | $12,270-97.3% |