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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 | $36,948-40.2% | $73,658-70.0% | $87,485-74.7% |
| Participation rate | 69.7% | 46.8%+22.8pp | 57.0%+12.6pp | 68.9%+0.7pp |
| Annual return | 15.48% | 28.64%-13.2pp | 29.72%-14.2pp | 26.06%-10.6pp |
| Employer contribution / active EE | $146 | $670-78.3% | $1,032-85.9% | $2,596-94.4% |
| Participant deferral / active EE | $957 | $1,379-30.6% | $2,062-53.6% | $4,274-77.6% |
| Admin fee / account holder | $440 | $2,531-82.6% | $3,357-86.9% | $7,775-94.3% |