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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 | $65,526 | $70,475-7.0% | $100,525-34.8% | $79,860-17.9% |
| Participation rate | 42.4% | 73.7%-31.3pp | 79.4%-37.0pp | 69.6%-27.2pp |
| Annual return | 13.95% | 21.90%-7.9pp | 30.89%-16.9pp | 31.72%-17.8pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,418-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,608 | $5,181-49.7% | $6,270-58.4% | $3,740-30.3% |
| Admin fee / account holder | $1,513 | $4,478-66.2% | $8,082-81.3% | $5,306-71.5% |