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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 | $48,308 | $37,446+29.0% | $77,552-37.7% | $79,856-39.5% |
| Participation rate | 19.0% | 41.5%-22.6pp | 54.2%-35.2pp | 69.6%-50.7pp |
| Annual return | 11.07% | 39.76%-28.7pp | 54.82%-43.8pp | 31.71%-20.6pp |
| Employer contribution / active EE | $351 | $637-45.0% | $987-64.5% | $2,471-85.8% |
| Participant deferral / active EE | $793 | $1,261-37.1% | $1,861-57.4% | $3,741-78.8% |
| Admin fee / account holder | $456 | $2,506-81.8% | $2,859-84.1% | $5,306-91.4% |