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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 | $138,312+22.7% | $122,979+38.0% | $155,188+9.4% |
| Participation rate | 30.0% | 80.2%-50.2pp | 77.2%-47.2pp | 80.8%-50.8pp |
| Annual return | 16.19% | 22.06%-5.9pp | 20.12%-3.9pp | 148.84%-132.7pp |
| Employer contribution / active EE | $0 | $3,530-100.0% | $3,062-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $3,507 | $5,592-37.3% | $5,003-29.9% | $6,531-46.3% |
| Admin fee / account holder | $747 | $15,089-95.1% | $12,864-94.2% | $14,480-94.8% |