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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 | $38,061 | $96,956-60.7% | $69,779-45.5% | $273,972-86.1% |
| Participation rate | 36.4% | 77.1%-40.7pp | 71.8%-35.5pp | 83.0%-46.7pp |
| Annual return | 6.80% | 12.93%-6.1pp | 12.99%-6.2pp | 41.46%-34.7pp |
| Employer contribution / active EE | $0 | $3,316-100.0% | $2,338-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,859 | $3,744+3.1% | $2,931+31.7% | $5,287-27.0% |
| Admin fee / account holder | $7,351 | $7,934-7.4% | $4,381+67.8% | $10,133-27.5% |