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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 | $41,253 | $93,692-56.0% | $116,538-64.6% | $86,983-52.6% |
| Participation rate | 57.1% | 79.6%-22.5pp | 82.6%-25.4pp | 69.5%-12.4pp |
| Annual return | 27.59% | 26.00%+1.6pp | 17.97%+9.6pp | 25.83%+1.8pp |
| Employer contribution / active EE | $0 | $3,831-100.0% | $4,541-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $9,992 | $5,612+78.0% | $6,207+61.0% | $4,194+138.3% |
| Admin fee / account holder | $4,347 | $7,586-42.7% | $8,737-50.3% | $7,856-44.7% |