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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 | $78,299 | $35,183+122.5% | $73,550+6.5% | $70,126+11.7% |
| Participation rate | 20.8% | 42.9%-22.2pp | 54.9%-34.1pp | 69.5%-48.8pp |
| Annual return | 15.45% | 26.90%-11.5pp | -15.16%+30.6pp | 73.15%-57.7pp |
| Employer contribution / active EE | $467 | $709-34.1% | $1,219-61.7% | $2,343-80.1% |
| Participant deferral / active EE | $741 | $1,220-39.3% | $1,804-58.9% | $3,332-77.8% |
| Admin fee / account holder | $4,097 | $2,302+78.0% | $2,320+76.6% | $4,645-11.8% |