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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 | $42,100 | $36,948+13.9% | $73,658-42.8% | $87,485-51.9% |
| Participation rate | 25.0% | 46.8%-21.8pp | 57.0%-32.0pp | 68.9%-43.9pp |
| Annual return | 20.78% | 28.64%-7.9pp | 29.72%-8.9pp | 26.06%-5.3pp |
| Employer contribution / active EE | $487 | $670-27.4% | $1,032-52.9% | $2,596-81.3% |
| Participant deferral / active EE | $1,649 | $1,379+19.6% | $2,062-20.0% | $4,274-61.4% |
| Admin fee / account holder | $7,491 | $2,531+196.0% | $3,357+123.2% | $7,775-3.7% |