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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 | $53,664 | $36,948+45.2% | $73,658-27.1% | $87,485-38.7% |
| Participation rate | 21.3% | 46.8%-25.5pp | 57.0%-35.7pp | 68.9%-47.6pp |
| Annual return | 22.28% | 28.64%-6.4pp | 29.72%-7.4pp | 26.06%-3.8pp |
| Employer contribution / active EE | $491 | $670-26.8% | $1,032-52.5% | $2,596-81.1% |
| Participant deferral / active EE | $1,935 | $1,379+40.3% | $2,062-6.2% | $4,274-54.7% |
| Admin fee / account holder | $492 | $2,531-80.5% | $3,357-85.3% | $7,775-93.7% |