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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 | $15,592 | $45,082-65.4% | $69,464-77.6% | $72,975-78.6% |
| Participation rate | 30.2% | 68.5%-38.3pp | 74.6%-44.4pp | 69.5%-39.3pp |
| Annual return | 22.60% | 22.66%-0.1pp | 28.98%-6.4pp | 81.01%-58.4pp |
| Employer contribution / active EE | $540 | $2,055-73.7% | $2,779-80.6% | $2,440-77.9% |
| Participant deferral / active EE | $1,220 | $2,604-53.1% | $3,536-65.5% | $3,608-66.2% |
| Admin fee / account holder | $401 | $3,057-86.9% | $3,840-89.6% | $5,124-92.2% |