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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 | $103,164-82.5% | $90,259-80.0% | $154,746-88.3% |
| Participation rate | 52.9% | 76.1%-23.1pp | 70.7%-17.8pp | 80.7%-27.8pp |
| Annual return | 18.89% | 19.25%-0.4pp | 18.88%0pp | 172.34%-153.5pp |
| Employer contribution / active EE | $1,135 | $2,532-55.2% | $2,291-50.5% | $4,379-74.1% |
| Participant deferral / active EE | $1,490 | $4,422-66.3% | $3,827-61.1% | $6,730-77.9% |
| Admin fee / account holder | $463 | $8,593-94.6% | $7,267-93.6% | $14,365-96.8% |