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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 | $19,445 | $37,446-48.1% | $77,513-74.9% | $79,852-75.6% |
| Participation rate | 22.4% | 41.5%-19.1pp | 54.2%-31.7pp | 69.6%-47.2pp |
| Annual return | 22.21% | 39.76%-17.5pp | 54.81%-32.6pp | 31.72%-9.5pp |
| Employer contribution / active EE | $329 | $637-48.3% | $987-66.6% | $2,471-86.7% |
| Participant deferral / active EE | $1,026 | $1,261-18.7% | $1,861-44.9% | $3,740-72.6% |
| Admin fee / account holder | $954 | $2,506-61.9% | $2,859-66.6% | $5,306-82.0% |