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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 | $43,496-7.0% | $161,489-74.9% | $64,340-37.1% |
| Participation rate | 56.6% | 53.5%+3.1pp | 78.7%-22.1pp | 55.2%+1.4pp |
| Annual return | 19.35% | 20.76%-1.4pp | 89.72%-70.4pp | 24.14%-4.8pp |
| Employer contribution / active EE | $1,826 | $1,431+27.6% | $4,268-57.2% | $1,862-1.9% |
| Participant deferral / active EE | $3,916 | $1,996+96.2% | $5,630-30.4% | $2,980+31.4% |
| Admin fee / account holder | $2,737 | $2,330+17.5% | $16,006-82.9% | $3,703-26.1% |