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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 | $99,875+24.0% | $146,866-15.7% | $86,983+42.4% |
| Participation rate | 52.7% | 75.8%-23.1pp | 82.5%-29.8pp | 69.5%-16.8pp |
| Annual return | 17.12% | 28.10%-11.0pp | 102.85%-85.7pp | 25.83%-8.7pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $5,436 | $6,322-14.0% | $7,759-29.9% | $4,194+29.6% |
| Admin fee / account holder | $5,439 | $7,838-30.6% | $13,620-60.1% | $7,856-30.8% |