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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 | $43,223 | $65,367-33.9% | $92,915-53.5% | $72,976-40.8% |
| Participation rate | 67.5% | 68.3%-0.8pp | 76.0%-8.5pp | 69.5%-2.0pp |
| Annual return | 19.19% | 42.11%-22.9pp | 109.45%-90.3pp | 81.02%-61.8pp |
| Employer contribution / active EE | $1,929 | $2,594-25.6% | $3,653-47.2% | $2,440-20.9% |
| Participant deferral / active EE | $3,144 | $3,128+0.5% | $4,238-25.8% | $3,608-12.9% |
| Admin fee / account holder | $980 | $4,251-77.0% | $5,796-83.1% | $5,124-80.9% |