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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 | $27,408 | $81,233-66.3% | $155,567-82.4% | $80,874-66.1% |
| Participation rate | 32.7% | 66.2%-33.6pp | 78.2%-45.5pp | 67.6%-35.0pp |
| Annual return | 17.62% | 33.33%-15.7pp | 64.74%-47.1pp | 35.62%-18.0pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,343 | $3,452-32.1% | $5,628-58.4% | $4,297-45.5% |
| Admin fee / account holder | $2,598 | $7,998-67.5% | $15,916-83.7% | $6,935-62.5% |