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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 | $6,051 | $25,014-75.8% | $69,623-91.3% | $80,935-92.5% |
| Participation rate | 53.2% | 64.2%-11.0pp | 66.4%-13.2pp | 67.7%-14.4pp |
| Annual return | 19.35% | 19.08%+0.3pp | 101.23%-81.9pp | 35.66%-16.3pp |
| Employer contribution / active EE | $744 | $991-25.0% | $1,709-56.5% | $2,757-73.0% |
| Participant deferral / active EE | $1,365 | $1,840-25.8% | $2,890-52.8% | $4,299-68.3% |
| Admin fee / account holder | $1,831 | $2,491-26.5% | $4,696-61.0% | $6,924-73.6% |