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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 | $24,078 | $36,948-34.8% | $73,658-67.3% | $87,485-72.5% |
| Participation rate | 37.9% | 46.8%-8.9pp | 57.0%-19.1pp | 68.9%-31.0pp |
| Annual return | 18.99% | 28.64%-9.6pp | 29.72%-10.7pp | 26.06%-7.1pp |
| Employer contribution / active EE | $1,562 | $670+133.1% | $1,032+51.3% | $2,596-39.9% |
| Participant deferral / active EE | $1,558 | $1,379+12.9% | $2,062-24.5% | $4,274-63.6% |
| Admin fee / account holder | $1,329 | $2,531-47.5% | $3,357-60.4% | $7,775-82.9% |