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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 | $38,691 | $46,688-17.1% | $189,758-79.6% | $69,733-44.5% |
| Participation rate | 68.6% | 61.7%+6.9pp | 79.8%-11.2pp | 62.5%+6.1pp |
| Annual return | 11.83% | 14.35%-2.5pp | 52.62%-40.8pp | 15.22%-3.4pp |
| Employer contribution / active EE | $1,203 | $1,695-29.0% | $4,767-74.8% | $2,250-46.5% |
| Participant deferral / active EE | $3,185 | $2,143+48.6% | $5,856-45.6% | $3,054+4.3% |
| Admin fee / account holder | $2,235 | $1,700+31.5% | $20,388-89.0% | $3,102-27.9% |