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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 | $81,365 | $72,388+12.4% | $111,392-27.0% | $64,173+26.8% |
| Participation rate | 48.4% | 70.5%-22.1pp | 78.9%-30.5pp | 69.6%-21.2pp |
| Annual return | 8.09% | -1.50%+9.6pp | -2.06%+10.2pp | 7.63%+0.5pp |
| Employer contribution / active EE | $0 | $3,000-100.0% | $4,328-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,148 | $4,241-25.8% | $5,567-43.5% | $3,470-9.3% |
| Admin fee / account holder | $27,979 | $5,719+389.2% | $12,266+128.1% | $4,887+472.5% |