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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 | $19,430 | $51,631-62.4% | $129,397-85.0% | $80,925-76.0% |
| Participation rate | 68.8% | 56.9%+11.9pp | 69.6%-0.8pp | 67.7%+1.2pp |
| Annual return | 18.43% | 20.77%-2.3pp | 9453.98%-9435.6pp | 35.65%-17.2pp |
| Employer contribution / active EE | $1,214 | $1,583-23.3% | $4,154-70.8% | $2,756-56.0% |
| Participant deferral / active EE | $2,094 | $2,670-21.6% | $4,167-49.7% | $4,299-51.3% |
| Admin fee / account holder | $1,176 | $4,309-72.7% | $7,679-84.7% | $6,940-83.1% |