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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 | $11,976 | $87,166-86.3% | $76,735-84.4% | $137,256-91.3% |
| Participation rate | 69.2% | 74.4%-5.1pp | 69.5%-0.3pp | 80.0%-10.7pp |
| Annual return | 22.35% | 26.50%-4.1pp | 29.77%-7.4pp | 220.34%-198.0pp |
| Employer contribution / active EE | $941 | $2,904-67.6% | $2,454-61.7% | $4,156-77.4% |
| Participant deferral / active EE | $2,903 | $4,726-38.6% | $4,088-29.0% | $6,407-54.7% |
| Admin fee / account holder | $1,375 | $8,403-83.6% | $7,189-80.9% | $12,270-88.8% |