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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 | $135,758 | $177,156-23.4% | $147,027-7.7% | $154,746-12.3% |
| Participation rate | 9.1% | 79.4%-70.3pp | 73.7%-64.7pp | 80.7%-71.6pp |
| Annual return | 22.52% | 21.94%+0.6pp | 20.23%+2.3pp | 172.34%-149.8pp |
| Employer contribution / active EE | $0 | $4,336-100.0% | $3,626-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,637 | $5,797-71.8% | $4,933-66.8% | $6,730-75.7% |
| Admin fee / account holder | $845 | $14,904-94.3% | $12,223-93.1% | $14,365-94.1% |