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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 | $36,501 | $37,446-2.5% | $77,552-52.9% | $79,856-54.3% |
| Participation rate | 51.9% | 41.5%+10.3pp | 54.2%-2.3pp | 69.6%-17.8pp |
| Annual return | 25.80% | 39.76%-14.0pp | 54.82%-29.0pp | 31.71%-5.9pp |
| Employer contribution / active EE | $1,349 | $637+111.7% | $987+36.7% | $2,471-45.4% |
| Participant deferral / active EE | $3,187 | $1,261+152.8% | $1,861+71.3% | $3,741-14.8% |
| Admin fee / account holder | $1,735 | $2,506-30.8% | $2,859-39.3% | $5,306-67.3% |