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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 | $40,286 | $181,896-77.9% | $156,551-74.3% | $273,972-85.3% |
| Participation rate | 65.0% | 88.4%-23.4pp | 84.0%-19.0pp | 83.0%-18.0pp |
| Annual return | 13.81% | 30.74%-16.9pp | 32.23%-18.4pp | 41.46%-27.6pp |
| Employer contribution / active EE | $3,901 | $6,248-37.6% | $5,501-29.1% | $4,869-19.9% |
| Participant deferral / active EE | $2,845 | $5,550-48.7% | $4,871-41.6% | $5,287-46.2% |
| Admin fee / account holder | $473 | $15,560-97.0% | $13,028-96.4% | $10,133-95.3% |