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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 | $23,010 | $76,551-69.9% | $123,894-81.4% | $62,881-63.4% |
| Participation rate | 39.7% | 73.0%-33.3pp | 81.4%-41.7pp | 69.3%-29.6pp |
| Annual return | 12.94% | 18.68%-5.7pp | 47.52%-34.6pp | 20.14%-7.2pp |
| Employer contribution / active EE | $1,077 | $2,882-62.6% | $4,617-76.7% | $2,281-52.8% |
| Participant deferral / active EE | $2,057 | $4,840-57.5% | $5,984-65.6% | $3,203-35.8% |
| Admin fee / account holder | $1,873 | $4,826-61.2% | $8,357-77.6% | $4,296-56.4% |