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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 | $30,529 | $37,446-18.5% | $77,552-60.6% | $79,856-61.8% |
| Participation rate | 37.1% | 41.5%-4.4pp | 54.2%-17.0pp | 69.6%-32.5pp |
| Annual return | 21.50% | 39.76%-18.3pp | 54.82%-33.3pp | 31.71%-10.2pp |
| Employer contribution / active EE | $698 | $637+9.5% | $987-29.3% | $2,471-71.8% |
| Participant deferral / active EE | $1,104 | $1,261-12.4% | $1,861-40.7% | $3,741-70.5% |
| Admin fee / account holder | $5,432 | $2,506+116.7% | $2,859+90.0% | $5,306+2.4% |