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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 | $37,422+52.6% | $92,985-38.6% | $64,728-11.8% |
| Participation rate | 10.1% | 40.1%-30.1pp | 69.5%-59.4pp | 57.9%-47.8pp |
| Annual return | 12.40% | 20.66%-8.3pp | 27.99%-15.6pp | 49.38%-37.0pp |
| Employer contribution / active EE | $0 | $1,156-100.0% | $2,662-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $578 | $1,740-66.8% | $4,377-86.8% | $2,729-78.8% |
| Admin fee / account holder | $2,957 | $2,190+35.0% | $9,463-68.8% | $1,145+158.2% |