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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 | $63,622 | $110,137-42.2% | $161,149-60.5% | $82,637-23.0% |
| Participation rate | 42.1% | 72.4%-30.2pp | 78.8%-36.7pp | 68.1%-25.9pp |
| Annual return | 15.24% | 20.69%-5.4pp | 21.16%-5.9pp | 53.51%-38.3pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,793 | $4,575-39.0% | $6,153-54.6% | $4,126-32.3% |
| Admin fee / account holder | $4,293 | $9,467-54.7% | $15,194-71.7% | $7,339-41.5% |