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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 | $24,102 | $56,894-57.6% | $84,753-71.6% | $62,881-61.7% |
| Participation rate | 51.2% | 68.5%-17.3pp | 76.6%-25.4pp | 69.3%-18.1pp |
| Annual return | 6.98% | 6.30%+0.7pp | 22.78%-15.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,917 | $2,400-20.1% | $3,574-46.4% | $2,281-16.0% |
| Participant deferral / active EE | $3,096 | $2,709+14.3% | $3,712-16.6% | $3,203-3.3% |
| Admin fee / account holder | $786 | $3,581-78.0% | $5,333-85.3% | $4,296-81.7% |