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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 | $33,129 | $36,948-10.3% | $73,658-55.0% | $87,485-62.1% |
| Participation rate | 31.4% | 46.8%-15.4pp | 57.0%-25.7pp | 68.9%-37.6pp |
| Annual return | 16.92% | 28.64%-11.7pp | 29.72%-12.8pp | 26.06%-9.1pp |
| Employer contribution / active EE | $530 | $670-20.9% | $1,032-48.7% | $2,596-79.6% |
| Participant deferral / active EE | $1,765 | $1,379+28.0% | $2,062-14.4% | $4,274-58.7% |
| Admin fee / account holder | $1,096 | $2,531-56.7% | $3,357-67.3% | $7,775-85.9% |