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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 | $14,212 | $55,932-74.6% | $76,735-81.5% | $67,986-79.1% |
| Participation rate | 53.9% | 50.8%+3.1pp | 69.5%-15.6pp | 57.2%-3.3pp |
| Annual return | 17.15% | 23.10%-5.9pp | 29.77%-12.6pp | 31.67%-14.5pp |
| Employer contribution / active EE | $705 | $1,487-52.6% | $2,454-71.3% | $2,019-65.1% |
| Participant deferral / active EE | $2,053 | $2,558-19.8% | $4,088-49.8% | $3,358-38.9% |
| Admin fee / account holder | $3,159 | $4,907-35.6% | $7,189-56.1% | $3,203-1.4% |