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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 | $19,865 | $37,446-47.0% | $77,552-74.4% | $79,856-75.1% |
| Participation rate | 40.0% | 41.5%-1.5pp | 54.2%-14.2pp | 69.6%-29.6pp |
| Annual return | 15.18% | 39.76%-24.6pp | 54.82%-39.6pp | 31.71%-16.5pp |
| Employer contribution / active EE | $202 | $637-68.3% | $987-79.5% | $2,471-91.8% |
| Participant deferral / active EE | $1,239 | $1,261-1.7% | $1,861-33.4% | $3,741-66.9% |
| Admin fee / account holder | $336 | $2,506-86.6% | $2,859-88.2% | $5,306-93.7% |