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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 | $98,009 | $100,970-2.9% | $96,576+1.5% | $137,256-28.6% |
| Participation rate | 43.5% | 82.6%-39.1pp | 81.4%-38.0pp | 80.0%-36.5pp |
| Annual return | 14.64% | 38.16%-23.5pp | 38.47%-23.8pp | 220.34%-205.7pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $5,658 | $8,286-31.7% | $7,956-28.9% | $6,407-11.7% |
| Admin fee / account holder | $2,639 | $11,312-76.7% | $11,381-76.8% | $12,270-78.5% |