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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 | $40,369 | $55,932-27.8% | $76,735-47.4% | $67,986-40.6% |
| Participation rate | 67.6% | 50.8%+16.8pp | 69.5%-1.9pp | 57.2%+10.4pp |
| Annual return | 31.06% | 23.10%+8.0pp | 29.77%+1.3pp | 31.67%-0.6pp |
| Employer contribution / active EE | $3,265 | $1,487+119.6% | $2,454+33.0% | $2,019+61.7% |
| Participant deferral / active EE | $5,779 | $2,558+125.9% | $4,088+41.4% | $3,358+72.1% |
| Admin fee / account holder | $324 | $4,907-93.4% | $7,189-95.5% | $3,203-89.9% |