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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 | $28,034 | $35,183-20.3% | $73,550-61.9% | $70,126-60.0% |
| Participation rate | 47.2% | 42.9%+4.3pp | 54.9%-7.7pp | 69.5%-22.3pp |
| Annual return | 21.30% | 26.90%-5.6pp | -15.16%+36.5pp | 73.15%-51.8pp |
| Employer contribution / active EE | $705 | $709-0.6% | $1,219-42.2% | $2,343-69.9% |
| Participant deferral / active EE | $1,477 | $1,220+21.1% | $1,804-18.1% | $3,332-55.7% |
| Admin fee / account holder | $933 | $2,302-59.5% | $2,320-59.8% | $4,645-79.9% |