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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 | $26,419 | $81,476-67.6% | $102,383-74.2% | $80,925-67.4% |
| Participation rate | 58.1% | 66.8%-8.7pp | 74.5%-16.4pp | 67.7%-9.5pp |
| Annual return | 11.09% | 25.59%-14.5pp | 24.94%-13.8pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,951 | $3,105-37.2% | $3,870-49.6% | $2,756-29.2% |
| Participant deferral / active EE | $4,364 | $3,871+12.7% | $5,060-13.7% | $4,299+1.5% |
| Admin fee / account holder | $1,833 | $6,717-72.7% | $8,391-78.2% | $6,940-73.6% |