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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 | $55,932-36.8% | $76,735-53.9% | $67,986-48.0% |
| Participation rate | 40.0% | 50.8%-10.8pp | 69.5%-29.5pp | 57.2%-17.2pp |
| Annual return | 22.24% | 23.10%-0.9pp | 29.77%-7.5pp | 31.67%-9.4pp |
| Employer contribution / active EE | $1,414 | $1,487-4.9% | $2,454-42.4% | $2,019-30.0% |
| Participant deferral / active EE | $3,351 | $2,558+31.0% | $4,088-18.0% | $3,358-0.2% |
| Admin fee / account holder | $482 | $4,907-90.2% | $7,189-93.3% | $3,203-84.9% |