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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 | $49,974 | $36,948+35.3% | $73,658-32.2% | $87,485-42.9% |
| Participation rate | 30.0% | 46.8%-16.8pp | 57.0%-27.0pp | 68.9%-38.9pp |
| Annual return | 17.11% | 28.64%-11.5pp | 29.72%-12.6pp | 26.06%-8.9pp |
| Employer contribution / active EE | $369 | $670-44.9% | $1,032-64.3% | $2,596-85.8% |
| Participant deferral / active EE | $2,226 | $1,379+61.4% | $2,062+7.9% | $4,274-47.9% |
| Admin fee / account holder | $971 | $2,531-61.6% | $3,357-71.1% | $7,775-87.5% |