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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 | $32,731 | $44,746-26.9% | $88,179-62.9% | $64,097-48.9% |
| Participation rate | 38.0% | 39.8%-1.8pp | 69.1%-31.2pp | 55.2%-17.2pp |
| Annual return | 22.64% | 24.70%-2.1pp | 64.97%-42.3pp | 34.64%-12.0pp |
| Employer contribution / active EE | $1,443 | $1,078+33.9% | $2,549-43.4% | $1,891-23.7% |
| Participant deferral / active EE | $3,272 | $2,072+57.9% | $4,614-29.1% | $3,080+6.2% |
| Admin fee / account holder | $3,522 | $3,437+2.5% | $7,673-54.1% | $3,454+2.0% |