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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 | $45,165 | $64,359-29.8% | $90,161-49.9% | $70,126-35.6% |
| Participation rate | 32.8% | 70.4%-37.7pp | 76.9%-44.1pp | 69.5%-36.8pp |
| Annual return | 42.88% | 28.13%+14.7pp | 34.89%+8.0pp | 73.15%-30.3pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,949 | $4,389-32.8% | $5,287-44.2% | $3,332-11.5% |
| Admin fee / account holder | $7,294 | $3,945+84.9% | $5,943+22.7% | $4,645+57.0% |