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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 | $38,251 | $104,650-63.4% | $83,854-54.4% | $155,188-75.4% |
| Participation rate | 61.9% | 65.1%-3.2pp | 59.1%+2.8pp | 80.8%-18.9pp |
| Annual return | 15.19% | 28.97%-13.8pp | 31.39%-16.2pp | 148.84%-133.6pp |
| Employer contribution / active EE | $776 | $1,196-35.1% | $1,017-23.7% | $4,248-81.7% |
| Participant deferral / active EE | $3,859 | $2,367+63.0% | $2,035+89.6% | $6,531-40.9% |
| Admin fee / account holder | $555 | $3,518-84.2% | $3,197-82.6% | $14,480-96.2% |