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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 | $107,666-9.0% | $102,184-4.1% | $154,746-36.7% |
| Participation rate | 43.5% | 83.7%-40.2pp | 82.6%-39.1pp | 80.7%-37.2pp |
| Annual return | 14.64% | 29.33%-14.7pp | 31.58%-16.9pp | 172.34%-157.7pp |
| Employer contribution / active EE | $0 | $3,846-100.0% | $3,594-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $5,658 | $8,719-35.1% | $8,309-31.9% | $6,730-15.9% |
| Admin fee / account holder | $2,639 | $12,943-79.6% | $11,609-77.3% | $14,365-81.6% |