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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 | $20,243 | $45,082-55.1% | $69,464-70.9% | $72,975-72.3% |
| Participation rate | 44.4% | 68.5%-24.0pp | 74.6%-30.2pp | 69.5%-25.0pp |
| Annual return | 27.43% | 22.66%+4.8pp | 28.98%-1.6pp | 81.01%-53.6pp |
| Employer contribution / active EE | $1,101 | $2,055-46.4% | $2,779-60.4% | $2,440-54.9% |
| Participant deferral / active EE | $2,013 | $2,604-22.7% | $3,536-43.1% | $3,608-44.2% |
| Admin fee / account holder | $506 | $3,057-83.4% | $3,840-86.8% | $5,124-90.1% |