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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 | $18,092 | $102,245-82.3% | $89,340-79.7% | $137,256-86.8% |
| Participation rate | 52.9% | 74.9%-21.9pp | 69.6%-16.6pp | 80.0%-27.0pp |
| Annual return | 18.89% | 21.89%-3.0pp | 20.57%-1.7pp | 220.34%-201.5pp |
| Employer contribution / active EE | $1,135 | $2,529-55.1% | $2,231-49.1% | $4,156-72.7% |
| Participant deferral / active EE | $1,490 | $4,436-66.4% | $3,823-61.0% | $6,407-76.7% |
| Admin fee / account holder | $463 | $8,085-94.3% | $6,704-93.1% | $12,270-96.2% |