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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 | $26,871 | $29,733-9.6% | $56,025-52.0% | $80,959-66.8% |
| Participation rate | 52.0% | 41.7%+10.3pp | 52.5%-0.5pp | 67.7%-15.7pp |
| Annual return | 15.17% | 35.28%-20.1pp | 1712.69%-1697.5pp | 35.67%-20.5pp |
| Employer contribution / active EE | $474 | $672-29.4% | $1,042-54.5% | $2,757-82.8% |
| Participant deferral / active EE | $2,256 | $1,229+83.5% | $1,955+15.4% | $4,300-47.5% |
| Admin fee / account holder | $910 | $2,434-62.6% | $2,828-67.8% | $6,925-86.9% |