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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 | $75,596 | $69,590+8.6% | $136,867-44.8% | $94,015-19.6% |
| Participation rate | 40.5% | 66.3%-25.8pp | 74.5%-34.1pp | 70.8%-30.3pp |
| Annual return | 24.44% | 19.62%+4.8pp | 42.97%-18.5pp | 17.84%+6.6pp |
| Employer contribution / active EE | $1,331 | $2,396-44.5% | $3,547-62.5% | $2,790-52.3% |
| Participant deferral / active EE | $3,640 | $3,437+5.9% | $4,924-26.1% | $4,249-14.3% |
| Admin fee / account holder | $1,327 | $8,912-85.1% | $10,340-87.2% | $8,951-85.2% |