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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 | $40,146 | $37,446+7.2% | $77,552-48.2% | $79,856-49.7% |
| Participation rate | 42.5% | 41.5%+1.0pp | 54.2%-11.7pp | 69.6%-27.1pp |
| Annual return | 14.11% | 39.76%-25.7pp | 54.82%-40.7pp | 31.71%-17.6pp |
| Employer contribution / active EE | $182 | $637-71.4% | $987-81.5% | $2,471-92.6% |
| Participant deferral / active EE | $633 | $1,261-49.8% | $1,861-66.0% | $3,741-83.1% |
| Admin fee / account holder | $6,361 | $2,506+153.8% | $2,859+122.5% | $5,306+19.9% |