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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 | $22,306 | $71,215-68.7% | $93,696-76.2% | $80,935-72.4% |
| Participation rate | 51.6% | 60.4%-8.8pp | 68.7%-17.1pp | 67.7%-16.1pp |
| Annual return | 11.46% | 11.27%+0.2pp | 133.74%-122.3pp | 35.66%-24.2pp |
| Employer contribution / active EE | $723 | $1,565-53.8% | $2,422-70.1% | $2,757-73.8% |
| Participant deferral / active EE | $1,466 | $4,037-63.7% | $4,417-66.8% | $4,299-65.9% |
| Admin fee / account holder | $1,258 | $6,958-81.9% | $8,287-84.8% | $6,924-81.8% |