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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 | $43,373 | $71,208-39.1% | $93,681-53.7% | $80,911-46.4% |
| Participation rate | 69.7% | 60.4%+9.3pp | 68.7%+1.0pp | 67.6%+2.0pp |
| Annual return | 12.87% | 11.27%+1.6pp | 133.47%-120.6pp | 35.63%-22.8pp |
| Employer contribution / active EE | $1,977 | $1,564+26.4% | $2,422-18.4% | $2,756-28.2% |
| Participant deferral / active EE | $3,990 | $4,035-1.1% | $4,415-9.6% | $4,297-7.2% |
| Admin fee / account holder | $631 | $6,951-90.9% | $8,290-92.4% | $6,935-90.9% |