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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 | $36,342 | $81,504-55.4% | $102,437-64.5% | $80,959-55.1% |
| Participation rate | 63.8% | 66.9%-3.1pp | 74.5%-10.7pp | 67.7%-3.9pp |
| Annual return | 14.59% | 25.60%-11.0pp | 24.95%-10.4pp | 35.67%-21.1pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,385 | $3,871-38.4% | $5,060-52.9% | $4,300-44.5% |
| Admin fee / account holder | $576 | $6,719-91.4% | $8,388-93.1% | $6,925-91.7% |