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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 | $36,701 | $97,648-62.4% | $121,663-69.8% | $87,485-58.0% |
| Participation rate | 48.3% | 70.5%-22.2pp | 74.5%-26.2pp | 68.9%-20.7pp |
| Annual return | 17.59% | 18.03%-0.4pp | 147.54%-130.0pp | 26.06%-8.5pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,171 | $3,923-44.7% | $4,887-55.6% | $4,274-49.2% |
| Admin fee / account holder | $527 | $11,100-95.3% | $14,289-96.3% | $7,775-93.2% |