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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 | $31,320 | $54,541-42.6% | $78,778-60.2% | $70,126-55.3% |
| Participation rate | 50.6% | 60.8%-10.2pp | 69.2%-18.6pp | 69.5%-19.0pp |
| Annual return | 13.60% | 21.07%-7.5pp | 35.62%-22.0pp | 73.15%-59.6pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,185 | $2,210-1.1% | $2,958-26.1% | $3,332-34.4% |
| Admin fee / account holder | $1,775 | $3,709-52.1% | $5,134-65.4% | $4,645-61.8% |