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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 | $28,853 | $32,037-9.9% | $69,182-58.3% | $62,881-54.1% |
| Participation rate | 65.8% | 43.4%+22.3pp | 55.1%+10.6pp | 69.3%-3.6pp |
| Annual return | 9.82% | 15.16%-5.3pp | -21.93%+31.8pp | 20.14%-10.3pp |
| Employer contribution / active EE | $316 | $679-53.4% | $1,206-73.8% | $2,281-86.1% |
| Participant deferral / active EE | $1,224 | $1,185+3.3% | $1,897-35.5% | $3,203-61.8% |
| Admin fee / account holder | $857 | $2,608-67.1% | $2,697-68.2% | $4,296-80.0% |