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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 | $81,403-52.0% | $147,027-73.4% | $87,485-55.3% |
| Participation rate | 66.7% | 63.4%+3.2pp | 73.7%-7.1pp | 68.9%-2.3pp |
| Annual return | 14.98% | 16.51%-1.5pp | 20.23%-5.2pp | 26.06%-11.1pp |
| Employer contribution / active EE | $0 | $2,205-100.0% | $3,626-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,500 | $3,315+35.7% | $4,933-8.8% | $4,274+5.3% |
| Admin fee / account holder | $3,612 | $6,755-46.5% | $12,223-70.4% | $7,775-53.5% |