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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 | $19,892 | $45,087-55.9% | $69,483-71.4% | $72,976-72.7% |
| Participation rate | 30.9% | 68.5%-37.6pp | 74.6%-43.7pp | 69.5%-38.6pp |
| Annual return | 16.41% | 22.67%-6.3pp | 28.99%-12.6pp | 81.02%-64.6pp |
| Employer contribution / active EE | $733 | $2,055-64.4% | $2,780-73.6% | $2,440-70.0% |
| Participant deferral / active EE | $3,036 | $2,603+16.6% | $3,537-14.2% | $3,608-15.9% |
| Admin fee / account holder | $668 | $3,057-78.1% | $3,841-82.6% | $5,124-87.0% |