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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 | $18,518 | $90,400-79.5% | $186,193-90.1% | $87,485-78.8% |
| Participation rate | 39.4% | 66.2%-26.8pp | 77.1%-37.7pp | 68.9%-29.5pp |
| Annual return | 19.89% | 22.15%-2.3pp | 78.03%-58.1pp | 26.06%-6.2pp |
| Employer contribution / active EE | $830 | $2,170-61.8% | $3,918-78.8% | $2,596-68.0% |
| Participant deferral / active EE | $1,598 | $4,330-63.1% | $6,513-75.5% | $4,274-62.6% |
| Admin fee / account holder | $1,051 | $8,673-87.9% | $11,058-90.5% | $7,775-86.5% |