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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 | $40,464 | $45,343-10.8% | $150,298-73.1% | $67,986-40.5% |
| Participation rate | 56.6% | 51.9%+4.8pp | 77.8%-21.1pp | 57.2%-0.6pp |
| Annual return | 19.35% | 33.28%-13.9pp | 62.79%-43.4pp | 31.67%-12.3pp |
| Employer contribution / active EE | $1,826 | $1,462+24.9% | $4,154-56.1% | $2,019-9.6% |
| Participant deferral / active EE | $3,916 | $2,055+90.6% | $5,453-28.2% | $3,358+16.6% |
| Admin fee / account holder | $2,737 | $2,250+21.7% | $14,116-80.6% | $3,203-14.6% |