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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 | $43,749-7.9% | $158,223-74.5% | $65,306-38.3% |
| Participation rate | 61.8% | 56.9%+4.9pp | 79.2%-17.4pp | 57.7%+4.1pp |
| Annual return | 17.87% | 19.41%-1.5pp | 52.09%-34.2pp | 21.94%-4.1pp |
| Employer contribution / active EE | $1,627 | $1,497+8.6% | $4,109-60.4% | $1,967-17.3% |
| Participant deferral / active EE | $3,876 | $2,019+92.0% | $5,467-29.1% | $2,959+31.0% |
| Admin fee / account holder | $2,166 | $1,930+12.2% | $16,047-86.5% | $3,480-37.7% |