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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 | $18,791 | $58,523-67.9% | $99,479-81.1% | $72,976-74.3% |
| Participation rate | 41.8% | 64.6%-22.8pp | 73.8%-32.0pp | 69.5%-27.7pp |
| Annual return | 28.68% | 28.51%+0.2pp | 30.72%-2.0pp | 81.02%-52.3pp |
| Employer contribution / active EE | $817 | $1,512-46.0% | $2,540-67.9% | $2,440-66.5% |
| Participant deferral / active EE | $1,244 | $2,606-52.3% | $3,619-65.6% | $3,608-65.5% |
| Admin fee / account holder | $769 | $4,102-81.3% | $6,253-87.7% | $5,124-85.0% |