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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 | $81,358-66.3% | $155,556-82.4% | $80,959-66.1% |
| Participation rate | 32.7% | 66.3%-33.6pp | 78.2%-45.6pp | 67.7%-35.0pp |
| Annual return | 17.62% | 33.39%-15.8pp | 64.84%-47.2pp | 35.67%-18.1pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,343 | $3,455-32.2% | $5,631-58.4% | $4,300-45.5% |
| Admin fee / account holder | $2,598 | $7,994-67.5% | $15,885-83.6% | $6,925-62.5% |