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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 | $43,749-11.6% | $158,223-75.5% | $65,306-40.8% |
| Participation rate | 68.6% | 56.9%+11.7pp | 79.2%-10.6pp | 57.7%+10.9pp |
| Annual return | 11.83% | 19.41%-7.6pp | 52.09%-40.3pp | 21.94%-10.1pp |
| Employer contribution / active EE | $1,203 | $1,497-19.7% | $4,109-70.7% | $1,967-38.9% |
| Participant deferral / active EE | $3,185 | $2,019+57.7% | $5,467-41.7% | $2,959+7.6% |
| Admin fee / account holder | $2,235 | $1,930+15.8% | $16,047-86.1% | $3,480-35.8% |