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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 | $35,351 | $52,682-32.9% | $78,004-54.7% | $64,097-44.8% |
| Participation rate | 40.0% | 47.7%-7.7pp | 69.4%-29.4pp | 55.2%-15.2pp |
| Annual return | 22.24% | 22.45%-0.2pp | 31.07%-8.8pp | 34.64%-12.4pp |
| Employer contribution / active EE | $1,414 | $1,323+6.8% | $2,469-42.7% | $1,891-25.3% |
| Participant deferral / active EE | $3,351 | $2,346+42.9% | $4,092-18.1% | $3,080+8.8% |
| Admin fee / account holder | $482 | $5,420-91.1% | $7,578-93.6% | $3,454-86.0% |