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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 | $24,636 | $32,037-23.1% | $69,182-64.4% | $62,881-60.8% |
| Participation rate | 48.9% | 43.4%+5.5pp | 55.1%-6.2pp | 69.3%-20.4pp |
| Annual return | 11.40% | 15.16%-3.8pp | -21.93%+33.3pp | 20.14%-8.7pp |
| Employer contribution / active EE | $208 | $679-69.4% | $1,206-82.8% | $2,281-90.9% |
| Participant deferral / active EE | $1,479 | $1,185+24.7% | $1,897-22.1% | $3,203-53.8% |
| Admin fee / account holder | $2,477 | $2,608-5.0% | $2,697-8.1% | $4,296-42.3% |