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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 | $121,701 | $91,559+32.9% | $133,971-9.2% | $79,852+52.4% |
| Participation rate | 48.4% | 73.3%-24.9pp | 79.8%-31.4pp | 69.6%-21.2pp |
| Annual return | 12.74% | 61.85%-49.1pp | 45.09%-32.4pp | 31.72%-19.0pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,770 | $3,734-52.6% | $5,047-64.9% | $3,740-52.7% |
| Admin fee / account holder | $1,050 | $6,321-83.4% | $8,929-88.2% | $5,306-80.2% |