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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 | $39,594 | $57,590-31.2% | $86,233-54.1% | $82,448-52.0% |
| Participation rate | 37.4% | 57.9%-20.5pp | 69.0%-31.7pp | 68.1%-30.7pp |
| Annual return | 19.61% | 22.41%-2.8pp | 61.39%-41.8pp | 41.64%-22.0pp |
| Employer contribution / active EE | $2,254 | $1,655+36.1% | $2,504-10.0% | $2,551-11.7% |
| Participant deferral / active EE | $5,073 | $3,080+64.7% | $4,559+11.3% | $4,139+22.6% |
| Admin fee / account holder | $11,182 | $4,730+136.4% | $8,342+34.0% | $7,234+54.6% |