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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 | $45,765 | $64,359-28.9% | $90,161-49.2% | $70,126-34.7% |
| Participation rate | 69.8% | 70.4%-0.6pp | 76.9%-7.1pp | 69.5%+0.3pp |
| Annual return | 15.56% | 28.13%-12.6pp | 34.89%-19.3pp | 73.15%-57.6pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,552 | $4,389+26.5% | $5,287+5.0% | $3,332+66.6% |
| Admin fee / account holder | $3,310 | $3,945-16.1% | $5,943-44.3% | $4,645-28.8% |