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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 | $56,707 | $107,733-47.4% | $92,985-39.0% | $154,746-63.4% |
| Participation rate | 50.0% | 74.6%-24.6pp | 69.5%-19.5pp | 80.7%-30.7pp |
| Annual return | 16.33% | 30.39%-14.1pp | 27.99%-11.7pp | 172.34%-156.0pp |
| Employer contribution / active EE | $0 | $3,126-100.0% | $2,662-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,430 | $5,053-71.7% | $4,377-67.3% | $6,730-78.8% |
| Admin fee / account holder | $3,360 | $11,369-70.4% | $9,463-64.5% | $14,365-76.6% |