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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 | $27,572 | $25,014+10.2% | $69,632-60.4% | $80,959-65.9% |
| Participation rate | 31.0% | 64.2%-33.2pp | 66.4%-35.4pp | 67.7%-36.6pp |
| Annual return | 12.73% | 19.08%-6.4pp | 101.32%-88.6pp | 35.67%-22.9pp |
| Employer contribution / active EE | $367 | $991-62.9% | $1,708-78.5% | $2,757-86.7% |
| Participant deferral / active EE | $2,057 | $1,840+11.8% | $2,889-28.8% | $4,300-52.2% |
| Admin fee / account holder | $1,920 | $2,491-22.9% | $4,695-59.1% | $6,925-72.3% |