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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 | $27,363 | $37,446-26.9% | $77,552-64.7% | $79,856-65.7% |
| Participation rate | 61.3% | 41.5%+19.8pp | 54.2%+7.1pp | 69.6%-8.4pp |
| Annual return | 16.45% | 39.76%-23.3pp | 54.82%-38.4pp | 31.71%-15.3pp |
| Employer contribution / active EE | $248 | $637-61.1% | $987-74.9% | $2,471-90.0% |
| Participant deferral / active EE | $588 | $1,261-53.3% | $1,861-68.4% | $3,741-84.3% |
| Admin fee / account holder | $1,278 | $2,506-49.0% | $2,859-55.3% | $5,306-75.9% |