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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 | $38,610 | $37,446+3.1% | $77,513-50.2% | $79,852-51.6% |
| Participation rate | 41.0% | 41.5%-0.6pp | 54.2%-13.2pp | 69.6%-28.7pp |
| Annual return | 11.79% | 39.76%-28.0pp | 54.81%-43.0pp | 31.72%-19.9pp |
| Employer contribution / active EE | $458 | $637-28.2% | $987-53.6% | $2,471-81.5% |
| Participant deferral / active EE | $605 | $1,261-52.1% | $1,861-67.5% | $3,740-83.8% |
| Admin fee / account holder | $1,786 | $2,506-28.7% | $2,859-37.5% | $5,306-66.3% |