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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 | $35,377 | $37,436-5.5% | $77,513-54.4% | $79,858-55.7% |
| Participation rate | 38.1% | 41.5%-3.4pp | 54.2%-16.1pp | 69.6%-31.5pp |
| Annual return | 15.19% | 39.75%-24.6pp | 54.81%-39.6pp | 31.72%-16.5pp |
| Employer contribution / active EE | $810 | $637+27.2% | $987-17.9% | $2,471-67.2% |
| Participant deferral / active EE | $1,722 | $1,261+36.6% | $1,861-7.5% | $3,740-54.0% |
| Admin fee / account holder | $4,394 | $2,505+75.4% | $2,859+53.7% | $5,306-17.2% |