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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 | $60,515 | $37,446+61.6% | $77,552-22.0% | $79,856-24.2% |
| Participation rate | 28.9% | 41.5%-12.6pp | 54.2%-25.3pp | 69.6%-40.8pp |
| Annual return | 18.19% | 39.76%-21.6pp | 54.82%-36.6pp | 31.71%-13.5pp |
| Employer contribution / active EE | $622 | $637-2.4% | $987-37.0% | $2,471-74.8% |
| Participant deferral / active EE | $2,153 | $1,261+70.8% | $1,861+15.7% | $3,741-42.4% |
| Admin fee / account holder | $827 | $2,506-67.0% | $2,859-71.1% | $5,306-84.4% |