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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 | $58,048-39.1% | $94,215-62.5% | $65,306-45.9% |
| Participation rate | 40.0% | 45.3%-5.3pp | 70.0%-30.0pp | 57.7%-17.7pp |
| Annual return | 22.24% | 19.61%+2.6pp | 28.22%-6.0pp | 21.94%+0.3pp |
| Employer contribution / active EE | $1,414 | $1,427-0.9% | $2,675-47.2% | $1,967-28.1% |
| Participant deferral / active EE | $3,351 | $2,407+39.2% | $4,276-21.6% | $2,959+13.2% |
| Admin fee / account holder | $482 | $4,610-89.5% | $10,216-95.3% | $3,480-86.1% |