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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 | $45,024 | $45,119-0.2% | $85,126-47.1% | $74,429-39.5% |
| Participation rate | 65.8% | 49.4%+16.4pp | 67.5%-1.7pp | 67.2%-1.4pp |
| Annual return | 13.85% | 26.28%-12.4pp | 66.63%-52.8pp | 1368.38%-1354.5pp |
| Employer contribution / active EE | $1,528 | $1,460+4.7% | $2,731-44.0% | $2,625-41.8% |
| Participant deferral / active EE | $2,956 | $2,738+8.0% | $4,523-34.6% | $4,348-32.0% |
| Admin fee / account holder | $757 | $2,214-65.8% | $6,160-87.7% | $1,944-61.1% |