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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 | $98,368 | $81,233+21.1% | $155,567-36.8% | $80,874+21.6% |
| Participation rate | 32.8% | 66.2%-33.4pp | 78.2%-45.4pp | 67.6%-34.8pp |
| Annual return | 19.10% | 33.33%-14.2pp | 64.74%-45.6pp | 35.62%-16.5pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,250 | $3,452-63.8% | $5,628-77.8% | $4,297-70.9% |
| Admin fee / account holder | $7,269 | $7,998-9.1% | $15,916-54.3% | $6,935+4.8% |