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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 | $40,309 | $45,343-11.1% | $150,298-73.2% | $67,986-40.7% |
| Participation rate | 61.8% | 51.9%+9.9pp | 77.8%-16.0pp | 57.2%+4.6pp |
| Annual return | 17.87% | 33.28%-15.4pp | 62.79%-44.9pp | 31.67%-13.8pp |
| Employer contribution / active EE | $1,627 | $1,462+11.3% | $4,154-60.8% | $2,019-19.4% |
| Participant deferral / active EE | $3,876 | $2,055+88.6% | $5,453-28.9% | $3,358+15.4% |
| Admin fee / account holder | $2,166 | $2,250-3.7% | $14,116-84.7% | $3,203-32.4% |