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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 | $23,269 | $57,119-59.3% | $85,187-72.7% | $80,935-71.3% |
| Participation rate | 44.8% | 56.4%-11.6pp | 67.5%-22.7pp | 67.7%-22.8pp |
| Annual return | 13.59% | 21.70%-8.1pp | 66.67%-53.1pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,123 | $1,802-37.7% | $2,732-58.9% | $2,757-59.3% |
| Participant deferral / active EE | $1,907 | $3,115-38.8% | $4,525-57.9% | $4,299-55.6% |
| Admin fee / account holder | $1,805 | $4,990-63.8% | $6,162-70.7% | $6,924-73.9% |