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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 | $41,299 | $65,246-36.7% | $98,716-58.2% | $67,986-39.3% |
| Participation rate | 64.6% | 51.4%+13.2pp | 69.3%-4.7pp | 57.2%+7.4pp |
| Annual return | 36.50% | 20.58%+15.9pp | 31.81%+4.7pp | 31.67%+4.8pp |
| Employer contribution / active EE | $1,182 | $1,042+13.4% | $2,279-48.1% | $2,019-41.4% |
| Participant deferral / active EE | $2,365 | $2,594-8.8% | $4,048-41.6% | $3,358-29.6% |
| Admin fee / account holder | $468 | $4,561-89.7% | $8,703-94.6% | $3,203-85.4% |