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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 | $23,790 | $63,809-62.7% | $81,353-70.8% | $80,935-70.6% |
| Participation rate | 58.5% | 63.9%-5.4pp | 69.5%-11.0pp | 67.7%-9.1pp |
| Annual return | 14.54% | 16.37%-1.8pp | 24.82%-10.3pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,261 | $1,981-36.4% | $2,464-48.8% | $2,757-54.3% |
| Participant deferral / active EE | $2,287 | $3,093-26.1% | $3,885-41.1% | $4,299-46.8% |
| Admin fee / account holder | $721 | $5,686-87.3% | $5,766-87.5% | $6,924-89.6% |