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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 | $27,651 | $37,446-26.2% | $77,552-64.3% | $79,856-65.4% |
| Participation rate | 21.2% | 41.5%-20.3pp | 54.2%-33.0pp | 69.6%-48.4pp |
| Annual return | 25.10% | 39.76%-14.7pp | 54.82%-29.7pp | 31.71%-6.6pp |
| Employer contribution / active EE | $1,181 | $637+85.3% | $987+19.7% | $2,471-52.2% |
| Participant deferral / active EE | $1,511 | $1,261+19.8% | $1,861-18.8% | $3,741-59.6% |
| Admin fee / account holder | $1,323 | $2,506-47.2% | $2,859-53.7% | $5,306-75.1% |