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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 | $32,733 | $36,948-11.4% | $73,658-55.6% | $87,485-62.6% |
| Participation rate | 47.4% | 46.8%+0.6pp | 57.0%-9.7pp | 68.9%-21.6pp |
| Annual return | 22.13% | 28.64%-6.5pp | 29.72%-7.6pp | 26.06%-3.9pp |
| Employer contribution / active EE | $517 | $670-22.9% | $1,032-49.9% | $2,596-80.1% |
| Participant deferral / active EE | $2,724 | $1,379+97.5% | $2,062+32.1% | $4,274-36.3% |
| Admin fee / account holder | $591 | $2,531-76.7% | $3,357-82.4% | $7,775-92.4% |