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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 | $57,097 | $51,092+11.8% | $76,735-25.6% | $79,634-28.3% |
| Participation rate | 10.1% | 50.2%-40.2pp | 69.5%-59.4pp | 62.5%-52.4pp |
| Annual return | 12.40% | 18.04%-5.6pp | 29.77%-17.4pp | 36.46%-24.1pp |
| Employer contribution / active EE | $0 | $1,519-100.0% | $2,454-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $578 | $2,529-77.1% | $4,088-85.9% | $3,835-84.9% |
| Admin fee / account holder | $2,957 | $1,865+58.5% | $7,189-58.9% | $1,002+195.1% |