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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 | $17,201 | $97,125-82.3% | $86,233-80.1% | $137,256-87.5% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 19.28% | 74.19%-54.9pp | 61.39%-42.1pp | 220.34%-201.1pp |
| Employer contribution / active EE | $1,782 | $2,841-37.3% | $2,504-28.8% | $4,156-57.1% |
| Participant deferral / active EE | $3,146 | $5,180-39.3% | $4,559-31.0% | $6,407-50.9% |
| Admin fee / account holder | $734 | $9,725-92.4% | $8,342-91.2% | $12,270-94.0% |