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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 | $40,895 | $36,948+10.7% | $73,658-44.5% | $87,485-53.3% |
| Participation rate | 59.3% | 46.8%+12.4pp | 57.0%+2.2pp | 68.9%-9.7pp |
| Annual return | 18.89% | 28.64%-9.7pp | 29.72%-10.8pp | 26.06%-7.2pp |
| Employer contribution / active EE | $2,097 | $670+212.9% | $1,032+103.1% | $2,596-19.2% |
| Participant deferral / active EE | $4,662 | $1,379+238.1% | $2,062+126.1% | $4,274+9.1% |
| Admin fee / account holder | $1,670 | $2,531-34.0% | $3,357-50.2% | $7,775-78.5% |