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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 | $36,595+14.7% | $88,179-52.4% | $71,012-40.9% |
| Participation rate | 36.2% | 29.2%+7.0pp | 69.1%-33.0pp | 58.6%-22.4pp |
| Annual return | 20.26% | 61.46%-41.2pp | 64.97%-44.7pp | 37.67%-17.4pp |
| Employer contribution / active EE | $748 | $787-5.0% | $2,549-70.7% | $2,348-68.2% |
| Participant deferral / active EE | $1,510 | $1,195+26.4% | $4,614-67.3% | $3,246-53.5% |
| Admin fee / account holder | $9,640 | $2,755+249.9% | $7,673+25.6% | $1,167+725.9% |