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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 | $36,053 | $36,948-2.4% | $73,658-51.1% | $87,485-58.8% |
| Participation rate | 29.4% | 46.8%-17.4pp | 57.0%-27.6pp | 68.9%-39.5pp |
| Annual return | 15.60% | 28.64%-13.0pp | 29.72%-14.1pp | 26.06%-10.5pp |
| Employer contribution / active EE | $596 | $670-11.1% | $1,032-42.3% | $2,596-77.1% |
| Participant deferral / active EE | $983 | $1,379-28.7% | $2,062-52.3% | $4,274-77.0% |
| Admin fee / account holder | $2,449 | $2,531-3.2% | $3,357-27.0% | $7,775-68.5% |