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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 | $81,858 | $101,798-19.6% | $165,071-50.4% | $80,935+1.1% |
| Participation rate | 30.0% | 71.8%-41.8pp | 78.6%-48.6pp | 67.7%-37.7pp |
| Annual return | 16.35% | 16.73%-0.4pp | 70.17%-53.8pp | 35.66%-19.3pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,088 | $4,476-53.3% | $6,035-65.4% | $4,299-51.4% |
| Admin fee / account holder | $918 | $8,221-88.8% | $12,695-92.8% | $6,924-86.7% |