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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 | $37,233 | $47,848-22.2% | $81,473-54.3% | $70,126-46.9% |
| Participation rate | 69.6% | 58.3%+11.3pp | 68.0%+1.6pp | 69.5%0pp |
| Annual return | 23.83% | 27.25%-3.4pp | 38.78%-15.0pp | 73.15%-49.3pp |
| Employer contribution / active EE | $1,233 | $1,527-19.2% | $2,568-52.0% | $2,343-47.4% |
| Participant deferral / active EE | $4,233 | $2,453+72.6% | $3,537+19.7% | $3,332+27.0% |
| Admin fee / account holder | $742 | $3,145-76.4% | $4,561-83.7% | $4,645-84.0% |