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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 | $39,915 | $78,682-49.3% | $109,188-63.4% | $85,851-53.5% |
| Participation rate | 42.3% | 68.3%-26.0pp | 75.9%-33.6pp | 69.3%-27.1pp |
| Annual return | 14.61% | 25.09%-10.5pp | 25.76%-11.1pp | 318.63%-304.0pp |
| Employer contribution / active EE | $3,078 | $2,734+12.6% | $3,723-17.3% | $2,565+20.0% |
| Participant deferral / active EE | $4,201 | $3,468+21.2% | $4,654-9.7% | $3,952+6.3% |
| Admin fee / account holder | $8,363 | $5,470+52.9% | $6,755+23.8% | $6,261+33.6% |