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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 | $17,080 | $54,757-68.8% | $90,304-81.1% | $72,975-76.6% |
| Participation rate | 46.7% | 65.2%-18.5pp | 73.3%-26.6pp | 69.5%-22.8pp |
| Annual return | 20.83% | 30.63%-9.8pp | 78.13%-57.3pp | 81.01%-60.2pp |
| Employer contribution / active EE | $562 | $2,093-73.2% | $2,855-80.3% | $2,440-77.0% |
| Participant deferral / active EE | $1,491 | $2,887-48.3% | $3,885-61.6% | $3,608-58.7% |
| Admin fee / account holder | $5,274 | $3,973+32.7% | $5,354-1.5% | $5,124+2.9% |