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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 | $22,703 | $63,809-64.4% | $81,353-72.1% | $80,935-71.9% |
| Participation rate | 38.2% | 63.9%-25.7pp | 69.5%-31.4pp | 67.7%-29.5pp |
| Annual return | 22.30% | 16.37%+5.9pp | 24.82%-2.5pp | 35.66%-13.4pp |
| Employer contribution / active EE | $1,296 | $1,981-34.6% | $2,464-47.4% | $2,757-53.0% |
| Participant deferral / active EE | $2,053 | $3,093-33.6% | $3,885-47.2% | $4,299-52.3% |
| Admin fee / account holder | $519 | $5,686-90.9% | $5,766-91.0% | $6,924-92.5% |