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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 | $110,358 | $101,795+8.4% | $165,100-33.2% | $80,959+36.3% |
| Participation rate | 63.9% | 71.8%-7.9pp | 78.6%-14.7pp | 67.7%-3.8pp |
| Annual return | 11.18% | 16.73%-5.5pp | 70.21%-59.0pp | 35.67%-24.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,365 | $4,476-24.8% | $6,035-44.2% | $4,300-21.7% |
| Admin fee / account holder | $75,572 | $8,221+819.2% | $12,696+495.3% | $6,925+991.2% |