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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 | $22,105 | $48,118-54.1% | $136,833-83.8% | $94,015-76.5% |
| Participation rate | 69.7% | 47.4%+22.3pp | 59.0%+10.6pp | 70.8%-1.2pp |
| Annual return | 15.48% | 14.65%+0.8pp | 35.32%-19.8pp | 17.84%-2.4pp |
| Employer contribution / active EE | $146 | $821-82.3% | $1,319-89.0% | $2,790-94.8% |
| Participant deferral / active EE | $957 | $1,651-42.0% | $2,441-60.8% | $4,249-77.5% |
| Admin fee / account holder | $440 | $3,059-85.6% | $4,706-90.6% | $8,951-95.1% |