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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 | $75,058-47.1% | $152,301-73.9% | $64,340-38.2% |
| Participation rate | 68.7% | 60.9%+7.8pp | 82.4%-13.8pp | 55.2%+13.4pp |
| Annual return | 27.57% | 29.93%-2.4pp | 80.50%-52.9pp | 24.14%+3.4pp |
| Employer contribution / active EE | $1,582 | $2,605-39.2% | $4,624-65.8% | $1,862-15.0% |
| Participant deferral / active EE | $4,197 | $5,041-16.7% | $8,004-47.6% | $2,980+40.8% |
| Admin fee / account holder | $2,636 | $4,050-34.9% | $14,398-81.7% | $3,703-28.8% |