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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 | $30,815 | $36,948-16.6% | $73,658-58.2% | $87,485-64.8% |
| Participation rate | 28.6% | 46.8%-18.2pp | 57.0%-28.5pp | 68.9%-40.4pp |
| Annual return | 17.99% | 28.64%-10.7pp | 29.72%-11.7pp | 26.06%-8.1pp |
| Employer contribution / active EE | $696 | $670+3.9% | $1,032-32.6% | $2,596-73.2% |
| Participant deferral / active EE | $1,858 | $1,379+34.7% | $2,062-9.9% | $4,274-56.5% |
| Admin fee / account holder | $1,535 | $2,531-39.4% | $3,357-54.3% | $7,775-80.3% |