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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 | $39,878 | $79,867-50.1% | $120,344-66.9% | $64,340-38.0% |
| Participation rate | 61.3% | 63.0%-1.7pp | 76.7%-15.4pp | 55.2%+6.0pp |
| Annual return | 17.66% | 21.10%-3.4pp | 20.30%-2.6pp | 24.14%-6.5pp |
| Employer contribution / active EE | $1,573 | $1,925-18.3% | $3,020-47.9% | $1,862-15.5% |
| Participant deferral / active EE | $3,154 | $3,593-12.2% | $5,135-38.6% | $2,980+5.8% |
| Admin fee / account holder | $1,826 | $5,039-63.8% | $12,742-85.7% | $3,703-50.7% |