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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 | $123,843 | $106,524+16.3% | $152,301-18.7% | $87,485+41.6% |
| Participation rate | 52.7% | 75.8%-23.0pp | 82.4%-29.7pp | 68.9%-16.2pp |
| Annual return | 17.12% | 26.89%-9.8pp | 80.50%-63.4pp | 26.06%-8.9pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,436 | $6,525-16.7% | $8,004-32.1% | $4,274+27.2% |
| Admin fee / account holder | $5,439 | $8,287-34.4% | $14,398-62.2% | $7,775-30.0% |