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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 | $32,158 | $63,456-49.3% | $100,712-68.1% | $64,097-49.8% |
| Participation rate | 62.3% | 49.7%+12.7pp | 69.3%-7.0pp | 55.2%+7.1pp |
| Annual return | 15.11% | 19.65%-4.5pp | 33.27%-18.2pp | 34.64%-19.5pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,610 | $2,463+6.0% | $4,085-36.1% | $3,080-15.2% |
| Admin fee / account holder | $3,101 | $4,808-35.5% | $9,256-66.5% | $3,454-10.2% |