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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 | $27,690 | $37,446-26.1% | $77,513-64.3% | $79,852-65.3% |
| Participation rate | 46.4% | 41.5%+4.9pp | 54.2%-7.8pp | 69.6%-23.2pp |
| Annual return | 12.99% | 39.76%-26.8pp | 54.81%-41.8pp | 31.72%-18.7pp |
| Employer contribution / active EE | $506 | $637-20.6% | $987-48.7% | $2,471-79.5% |
| Participant deferral / active EE | $1,460 | $1,261+15.8% | $1,861-21.6% | $3,740-61.0% |
| Admin fee / account holder | $2,052 | $2,506-18.1% | $2,859-28.2% | $5,306-61.3% |