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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 | $18,201 | $37,446-51.4% | $77,552-76.5% | $79,856-77.2% |
| Participation rate | 35.1% | 41.5%-6.4pp | 54.2%-19.1pp | 69.6%-34.5pp |
| Annual return | 14.79% | 39.76%-25.0pp | 54.82%-40.0pp | 31.71%-16.9pp |
| Employer contribution / active EE | $522 | $637-18.1% | $987-47.1% | $2,471-78.9% |
| Participant deferral / active EE | $1,598 | $1,261+26.7% | $1,861-14.1% | $3,741-57.3% |
| Admin fee / account holder | $333 | $2,506-86.7% | $2,859-88.4% | $5,306-93.7% |