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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 | $22,708 | $72,269-68.6% | $101,271-77.6% | $79,852-71.6% |
| Participation rate | 47.1% | 68.5%-21.4pp | 75.8%-28.7pp | 69.6%-22.6pp |
| Annual return | 20.06% | 22.29%-2.2pp | 46.48%-26.4pp | 31.72%-11.7pp |
| Employer contribution / active EE | $778 | $2,692-71.1% | $3,660-78.7% | $2,471-68.5% |
| Participant deferral / active EE | $1,616 | $3,282-50.8% | $4,371-63.0% | $3,740-56.8% |
| Admin fee / account holder | $303 | $4,401-93.1% | $5,948-94.9% | $5,306-94.3% |