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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 | $57,065 | $51,207+11.4% | $70,565-19.1% | $71,529-20.2% |
| Participation rate | 22.9% | 59.4%-36.5pp | 68.4%-45.4pp | 67.9%-45.0pp |
| Annual return | 14.04% | 42.71%-28.7pp | 32.79%-18.7pp | 28.97%-14.9pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $2,976-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,970 | $3,033-35.1% | $4,568-56.9% | $4,291-54.1% |
| Admin fee / account holder | $2,747 | $2,002+37.3% | $6,430-57.3% | $1,588+72.9% |