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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 | $23,679 | $63,845-62.9% | $81,370-70.9% | $80,959-70.8% |
| Participation rate | 41.3% | 63.9%-22.6pp | 69.5%-28.3pp | 67.7%-26.4pp |
| Annual return | 19.61% | 16.37%+3.2pp | 24.85%-5.2pp | 35.67%-16.1pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,965 | $3,093-4.1% | $3,885-23.7% | $4,300-31.0% |
| Admin fee / account holder | $3,263 | $5,688-42.6% | $5,749-43.2% | $6,925-52.9% |