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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 | $24,531 | $94,439-74.0% | $73,658-66.7% | $154,746-84.1% |
| Participation rate | 68.2% | 64.7%+3.5pp | 57.0%+11.1pp | 80.7%-12.5pp |
| Annual return | 23.18% | 28.25%-5.1pp | 29.72%-6.5pp | 172.34%-149.2pp |
| Employer contribution / active EE | $1,618 | $1,257+28.7% | $1,032+56.7% | $4,379-63.1% |
| Participant deferral / active EE | $3,938 | $2,527+55.8% | $2,062+91.0% | $6,730-41.5% |
| Admin fee / account holder | $1,266 | $3,843-67.1% | $3,357-62.3% | $14,365-91.2% |