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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 | $39,738 | $88,360-55.0% | $145,433-72.7% | $67,986-41.6% |
| Participation rate | 68.7% | 65.5%+3.2pp | 82.1%-13.4pp | 57.2%+11.5pp |
| Annual return | 27.57% | 63.15%-35.6pp | 66.58%-39.0pp | 31.67%-4.1pp |
| Employer contribution / active EE | $1,582 | $3,054-48.2% | $4,554-65.3% | $2,019-21.6% |
| Participant deferral / active EE | $4,197 | $5,932-29.2% | $7,897-46.9% | $3,358+25.0% |
| Admin fee / account holder | $2,636 | $3,313-20.4% | $13,129-79.9% | $3,203-17.7% |