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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 | $46,840 | $64,920-27.8% | $103,693-54.8% | $86,983-46.2% |
| Participation rate | 59.7% | 63.6%-3.9pp | 72.6%-12.9pp | 69.5%-9.8pp |
| Annual return | 15.88% | 30.29%-14.4pp | 47.61%-31.7pp | 25.83%-9.9pp |
| Employer contribution / active EE | $0 | $2,141-100.0% | $2,920-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,758 | $3,241-45.8% | $4,579-61.6% | $4,194-58.1% |
| Admin fee / account holder | $1,123 | $6,191-81.9% | $7,858-85.7% | $7,856-85.7% |