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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 | $193,539 | $105,623+83.2% | $87,502+121.2% | $273,972-29.4% |
| Participation rate | 43.8% | 78.2%-34.4pp | 73.8%-30.1pp | 83.0%-39.3pp |
| Annual return | 6.90% | 12.26%-5.4pp | 12.21%-5.3pp | 41.46%-34.6pp |
| Employer contribution / active EE | $0 | $3,141-100.0% | $2,550-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,913 | $3,601-46.9% | $3,149-39.2% | $5,287-63.8% |
| Admin fee / account holder | $563 | $4,781-88.2% | $4,221-86.7% | $10,133-94.4% |