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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 | $97,694 | $106,749-8.5% | $145,433-32.8% | $82,448+18.5% |
| Participation rate | 55.6% | 75.6%-20.1pp | 82.1%-26.6pp | 68.1%-12.5pp |
| Annual return | 37.77% | 27.59%+10.2pp | 66.58%-28.8pp | 41.64%-3.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,383 | $6,519-48.1% | $7,897-57.2% | $4,139-18.3% |
| Admin fee / account holder | $918 | $8,390-89.1% | $13,129-93.0% | $7,234-87.3% |