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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 | $41,992 | $38,967+7.8% | $86,233-51.3% | $79,634-47.3% |
| Participation rate | 36.2% | 34.1%+2.1pp | 69.0%-32.8pp | 62.5%-26.3pp |
| Annual return | 20.26% | 49.90%-29.6pp | 61.39%-41.1pp | 36.46%-16.2pp |
| Employer contribution / active EE | $748 | $868-13.9% | $2,504-70.1% | $2,529-70.4% |
| Participant deferral / active EE | $1,510 | $1,663-9.2% | $4,559-66.9% | $3,835-60.6% |
| Admin fee / account holder | $9,640 | $2,660+262.4% | $8,342+15.6% | $1,002+862.1% |