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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 | $15,812 | $36,140-56.2% | $73,658-78.5% | $64,340-75.4% |
| Participation rate | 22.1% | 31.0%-9.0pp | 57.0%-35.0pp | 55.2%-33.2pp |
| Annual return | 17.51% | 21.48%-4.0pp | 29.72%-12.2pp | 24.14%-6.6pp |
| Employer contribution / active EE | $205 | $443-53.7% | $1,032-80.1% | $1,862-89.0% |
| Participant deferral / active EE | $923 | $1,023-9.8% | $2,062-55.2% | $2,980-69.0% |
| Admin fee / account holder | $1,452 | $2,513-42.2% | $3,357-56.8% | $3,703-60.8% |