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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 | $7,253 | $16,790-56.8% | $64,489-88.8% | $67,986-89.3% |
| Participation rate | 61.5% | 62.4%-0.9pp | 67.7%-6.2pp | 57.2%+4.3pp |
| Annual return | 19.59% | 30.55%-11.0pp | 55.03%-35.4pp | 31.67%-12.1pp |
| Employer contribution / active EE | $476 | $648-26.5% | $1,523-68.7% | $2,019-76.4% |
| Participant deferral / active EE | $1,505 | $1,510-0.4% | $2,778-45.8% | $3,358-55.2% |
| Admin fee / account holder | $1,503 | $1,690-11.0% | $4,260-64.7% | $3,203-53.1% |