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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 | $80,827 | $162,967-50.4% | $135,792-40.5% | $138,895-41.8% |
| Participation rate | 66.7% | 78.3%-11.7pp | 72.6%-5.9pp | 79.9%-13.3pp |
| Annual return | 16.93% | 30.08%-13.2pp | 25.96%-9.0pp | 145.39%-128.5pp |
| Employer contribution / active EE | $0 | $4,211-100.0% | $3,496-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,052 | $5,640-63.6% | $4,759-56.9% | $6,396-67.9% |
| Admin fee / account holder | $667 | $15,306-95.6% | $12,266-94.6% | $12,562-94.7% |