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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 | $22,968 | $52,580-56.3% | $71,671-68.0% | $70,124-67.2% |
| Participation rate | 23.4% | 60.9%-37.4pp | 68.7%-45.3pp | 69.5%-46.1pp |
| Annual return | 17.04% | 20.25%-3.2pp | 20.65%-3.6pp | 73.14%-56.1pp |
| Employer contribution / active EE | $749 | $1,616-53.6% | $2,460-69.6% | $2,342-68.0% |
| Participant deferral / active EE | $1,457 | $2,386-39.0% | $3,438-57.6% | $3,332-56.3% |
| Admin fee / account holder | $1,013 | $3,653-72.3% | $5,558-81.8% | $4,645-78.2% |