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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 | $100,672 | $80,748+24.7% | $102,383-1.7% | $74,429+35.3% |
| Participation rate | 24.3% | 65.7%-41.4pp | 74.5%-50.2pp | 67.2%-42.9pp |
| Annual return | 13.11% | 27.57%-14.5pp | 24.94%-11.8pp | 1368.38%-1355.3pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $2,205 | $3,861-42.9% | $5,060-56.4% | $4,348-49.3% |
| Admin fee / account holder | $8,173 | $2,371+244.7% | $8,391-2.6% | $1,944+320.4% |