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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 | $8,216 | $16,790-51.1% | $64,489-87.3% | $67,986-87.9% |
| Participation rate | 61.0% | 62.4%-1.4pp | 67.7%-6.7pp | 57.2%+3.8pp |
| Annual return | 19.22% | 30.55%-11.3pp | 55.03%-35.8pp | 31.67%-12.4pp |
| Employer contribution / active EE | $769 | $648+18.7% | $1,523-49.5% | $2,019-61.9% |
| Participant deferral / active EE | $1,311 | $1,510-13.2% | $2,778-52.8% | $3,358-60.9% |
| Admin fee / account holder | $1,372 | $1,690-18.8% | $4,260-67.8% | $3,203-57.2% |