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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 | $98,361 | $101,795-3.4% | $165,100-40.4% | $80,959+21.5% |
| Participation rate | 58.1% | 71.8%-13.8pp | 78.6%-20.6pp | 67.7%-9.6pp |
| Annual return | 12.96% | 16.73%-3.8pp | 70.21%-57.2pp | 35.67%-22.7pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,411 | $4,476+87.9% | $6,035+39.4% | $4,300+95.6% |
| Admin fee / account holder | $4,677 | $8,221-43.1% | $12,696-63.2% | $6,925-32.5% |