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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 | $45,598 | $62,132-26.6% | $185,835-75.5% | $73,493-38.0% |
| Participation rate | 39.2% | 67.8%-28.6pp | 78.0%-38.8pp | 70.7%-31.5pp |
| Annual return | 31.99% | 20.44%+11.6pp | 35.96%-4.0pp | 28.51%+3.5pp |
| Employer contribution / active EE | $0 | $1,681-100.0% | $4,087-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,860 | $3,711-22.9% | $5,633-49.2% | $3,740-23.5% |
| Admin fee / account holder | $1,913 | $419+356.9% | $9,502-79.9% | $513+272.9% |