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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 | $20,893 | $48,300-56.7% | $40,145,923-99.9% | $62,881-66.8% |
| Participation rate | 57.1% | 62.0%-4.9pp | 68.4%-11.3pp | 69.3%-12.2pp |
| Annual return | 7.31% | 6.95%+0.4pp | 5.24%+2.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $712 | $1,333-46.6% | $1,844-61.4% | $2,281-68.8% |
| Participant deferral / active EE | $1,581 | $2,388-33.8% | $2,591-39.0% | $3,203-50.6% |
| Admin fee / account holder | $758 | $2,919-74.0% | $2,903-73.9% | $4,296-82.4% |