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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 | $36,094 | $35,183+2.6% | $73,550-50.9% | $70,126-48.5% |
| Participation rate | 37.0% | 42.9%-6.0pp | 54.9%-18.0pp | 69.5%-32.6pp |
| Annual return | 21.00% | 26.90%-5.9pp | -15.16%+36.2pp | 73.15%-52.1pp |
| Employer contribution / active EE | $485 | $709-31.6% | $1,219-60.2% | $2,343-79.3% |
| Participant deferral / active EE | $799 | $1,220-34.5% | $1,804-55.7% | $3,332-76.0% |
| Admin fee / account holder | $2,390 | $2,302+3.8% | $2,320+3.0% | $4,645-48.5% |