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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 | $39,582 | $37,446+5.7% | $77,552-49.0% | $79,856-50.4% |
| Participation rate | 20.8% | 41.5%-20.7pp | 54.2%-33.4pp | 69.6%-48.8pp |
| Annual return | 21.00% | 39.76%-18.8pp | 54.82%-33.8pp | 31.71%-10.7pp |
| Employer contribution / active EE | $932 | $637+46.3% | $987-5.5% | $2,471-62.3% |
| Participant deferral / active EE | $1,698 | $1,261+34.7% | $1,861-8.7% | $3,741-54.6% |
| Admin fee / account holder | $5,059 | $2,506+101.9% | $2,859+77.0% | $5,306-4.7% |