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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 | $85,508 | $81,476+4.9% | $102,383-16.5% | $80,925+5.7% |
| Participation rate | 27.3% | 66.8%-39.6pp | 74.5%-47.2pp | 67.7%-40.4pp |
| Annual return | 12.04% | 25.59%-13.6pp | 24.94%-12.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,154 | $3,871-44.4% | $5,060-57.4% | $4,299-49.9% |
| Admin fee / account holder | $36,304 | $6,717+440.4% | $8,391+332.6% | $6,940+423.1% |