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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 | $28,409 | $36,948-23.1% | $73,658-61.4% | $87,485-67.5% |
| Participation rate | 45.5% | 46.8%-1.4pp | 57.0%-11.6pp | 68.9%-23.5pp |
| Annual return | 21.87% | 28.64%-6.8pp | 29.72%-7.8pp | 26.06%-4.2pp |
| Employer contribution / active EE | $707 | $670+5.5% | $1,032-31.5% | $2,596-72.8% |
| Participant deferral / active EE | $2,172 | $1,379+57.5% | $2,062+5.3% | $4,274-49.2% |
| Admin fee / account holder | $676 | $2,531-73.3% | $3,357-79.9% | $7,775-91.3% |