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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 | $12,817 | $102,245-87.5% | $89,340-85.7% | $137,256-90.7% |
| Participation rate | 59.1% | 74.9%-15.8pp | 69.6%-10.5pp | 80.0%-20.9pp |
| Annual return | 23.44% | 21.89%+1.5pp | 20.57%+2.9pp | 220.34%-196.9pp |
| Employer contribution / active EE | $792 | $2,529-68.7% | $2,231-64.5% | $4,156-80.9% |
| Participant deferral / active EE | $1,237 | $4,436-72.1% | $3,823-67.6% | $6,407-80.7% |
| Admin fee / account holder | $943 | $8,085-88.3% | $6,704-85.9% | $12,270-92.3% |