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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 | $24,989 | $36,948-32.4% | $73,658-66.1% | $87,485-71.4% |
| Participation rate | 12.7% | 46.8%-34.1pp | 57.0%-44.4pp | 68.9%-56.3pp |
| Annual return | 18.90% | 28.64%-9.7pp | 29.72%-10.8pp | 26.06%-7.2pp |
| Employer contribution / active EE | $295 | $670-56.0% | $1,032-71.4% | $2,596-88.6% |
| Participant deferral / active EE | $857 | $1,379-37.9% | $2,062-58.5% | $4,274-80.0% |
| Admin fee / account holder | $1,530 | $2,531-39.5% | $3,357-54.4% | $7,775-80.3% |