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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 | $43,648 | $57,541-24.1% | $95,759-54.4% | $75,177-41.9% |
| Participation rate | 54.2% | 62.5%-8.3pp | 72.3%-18.1pp | 67.2%-13.0pp |
| Annual return | 18.50% | 34.93%-16.4pp | 28.42%-9.9pp | 160.75%-142.3pp |
| Employer contribution / active EE | $0 | $1,808-100.0% | $2,836-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,440 | $3,074+11.9% | $4,244-18.9% | $4,126-16.6% |
| Admin fee / account holder | $376 | $4,099-90.8% | $5,678-93.4% | $5,651-93.3% |