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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 | $24,176 | $45,343-46.7% | $150,298-83.9% | $67,986-64.4% |
| Participation rate | 62.4% | 51.9%+10.5pp | 77.8%-15.4pp | 57.2%+5.2pp |
| Annual return | 21.37% | 33.28%-11.9pp | 62.79%-41.4pp | 31.67%-10.3pp |
| Employer contribution / active EE | $1,953 | $1,462+33.6% | $4,154-53.0% | $2,019-3.3% |
| Participant deferral / active EE | $3,267 | $2,055+59.0% | $5,453-40.1% | $3,358-2.7% |
| Admin fee / account holder | $2,213 | $2,250-1.7% | $14,116-84.3% | $3,203-30.9% |