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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 | $55,435 | $45,343+22.3% | $150,298-63.1% | $67,986-18.5% |
| Participation rate | 37.3% | 51.9%-14.6pp | 77.8%-40.5pp | 57.2%-19.9pp |
| Annual return | 13.74% | 33.28%-19.5pp | 62.79%-49.0pp | 31.67%-17.9pp |
| Employer contribution / active EE | $1,165 | $1,462-20.3% | $4,154-72.0% | $2,019-42.3% |
| Participant deferral / active EE | $2,704 | $2,055+31.6% | $5,453-50.4% | $3,358-19.5% |
| Admin fee / account holder | $9,639 | $2,250+328.4% | $14,116-31.7% | $3,203+200.9% |