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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 | $39,112 | $77,896-49.8% | $134,172-70.8% | $82,448-52.6% |
| Participation rate | 66.7% | 62.8%+3.9pp | 72.5%-5.8pp | 68.1%-1.4pp |
| Annual return | 14.98% | 18.21%-3.2pp | 25.30%-10.3pp | 41.64%-26.7pp |
| Employer contribution / active EE | $0 | $2,159-100.0% | $3,420-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,500 | $3,162+42.3% | $4,690-4.1% | $4,139+8.7% |
| Admin fee / account holder | $3,612 | $6,336-43.0% | $12,016-69.9% | $7,234-50.1% |