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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 | $25,075 | $35,183-28.7% | $73,550-65.9% | $70,126-64.2% |
| Participation rate | 32.4% | 42.9%-10.5pp | 54.9%-22.5pp | 69.5%-37.1pp |
| Annual return | 17.77% | 26.90%-9.1pp | -15.16%+32.9pp | 73.15%-55.4pp |
| Employer contribution / active EE | $561 | $709-20.8% | $1,219-54.0% | $2,343-76.0% |
| Participant deferral / active EE | $925 | $1,220-24.2% | $1,804-48.8% | $3,332-72.3% |
| Admin fee / account holder | $406 | $2,302-82.4% | $2,320-82.5% | $4,645-91.3% |