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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 | $43,976 | $36,948+19.0% | $73,658-40.3% | $87,485-49.7% |
| Participation rate | 21.2% | 46.8%-25.7pp | 57.0%-35.9pp | 68.9%-47.8pp |
| Annual return | 21.26% | 28.64%-7.4pp | 29.72%-8.5pp | 26.06%-4.8pp |
| Employer contribution / active EE | $500 | $670-25.3% | $1,032-51.5% | $2,596-80.7% |
| Participant deferral / active EE | $2,200 | $1,379+59.5% | $2,062+6.7% | $4,274-48.5% |
| Admin fee / account holder | $570 | $2,531-77.5% | $3,357-83.0% | $7,775-92.7% |