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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 | $19,869 | $37,446-46.9% | $77,513-74.4% | $79,852-75.1% |
| Participation rate | 43.1% | 41.5%+1.6pp | 54.2%-11.1pp | 69.6%-26.5pp |
| Annual return | 20.06% | 39.76%-19.7pp | 54.81%-34.8pp | 31.72%-11.7pp |
| Employer contribution / active EE | $669 | $637+5.0% | $987-32.2% | $2,471-72.9% |
| Participant deferral / active EE | $1,112 | $1,261-11.8% | $1,861-40.2% | $3,740-70.3% |
| Admin fee / account holder | $972 | $2,506-61.2% | $2,859-66.0% | $5,306-81.7% |