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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 | $22,575 | $36,948-38.9% | $73,658-69.4% | $87,485-74.2% |
| Participation rate | 51.4% | 46.8%+4.5pp | 57.0%-5.7pp | 68.9%-17.6pp |
| Annual return | 14.06% | 28.64%-14.6pp | 29.72%-15.7pp | 26.06%-12.0pp |
| Employer contribution / active EE | $374 | $670-44.1% | $1,032-63.7% | $2,596-85.6% |
| Participant deferral / active EE | $1,152 | $1,379-16.5% | $2,062-44.1% | $4,274-73.0% |
| Admin fee / account holder | $545 | $2,531-78.5% | $3,357-83.8% | $7,775-93.0% |