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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 | $37,113 | $72,492-48.8% | $87,102-57.4% | $72,983-49.1% |
| Participation rate | 59.1% | 72.8%-13.7pp | 76.9%-17.8pp | 69.5%-10.4pp |
| Annual return | 29.27% | 24.46%+4.8pp | 28.19%+1.1pp | 81.01%-51.7pp |
| Employer contribution / active EE | $2,133 | $1,894+12.6% | $2,521-15.4% | $2,440-12.6% |
| Participant deferral / active EE | $3,740 | $3,270+14.4% | $4,048-7.6% | $3,608+3.7% |
| Admin fee / account holder | $500 | $5,055-90.1% | $7,491-93.3% | $5,124-90.2% |