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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 | $169,704 | $126,661+34.0% | $113,397+49.7% | $138,895+22.2% |
| Participation rate | 30.0% | 79.4%-49.4pp | 76.5%-46.5pp | 79.9%-49.9pp |
| Annual return | 16.19% | 25.05%-8.9pp | 23.20%-7.0pp | 145.39%-129.2pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,507 | $5,693-38.4% | $5,076-30.9% | $6,396-45.2% |
| Admin fee / account holder | $747 | $14,549-94.9% | $11,957-93.8% | $12,562-94.1% |