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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 | $14,781 | $94,439-84.3% | $73,658-79.9% | $154,746-90.4% |
| Participation rate | 42.1% | 64.7%-22.6pp | 57.0%-14.9pp | 80.7%-38.6pp |
| Annual return | 17.20% | 28.25%-11.0pp | 29.72%-12.5pp | 172.34%-155.1pp |
| Employer contribution / active EE | $742 | $1,257-41.0% | $1,032-28.1% | $4,379-83.1% |
| Participant deferral / active EE | $1,020 | $2,527-59.6% | $2,062-50.5% | $6,730-84.8% |
| Admin fee / account holder | $417 | $3,843-89.2% | $3,357-87.6% | $14,365-97.1% |