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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 | $35,736 | $73,955-51.7% | $96,520-63.0% | $75,181-52.5% |
| Participation rate | 37.5% | 66.4%-28.9pp | 74.3%-36.8pp | 67.2%-29.7pp |
| Annual return | 13.35% | 26.72%-13.4pp | 35.72%-22.4pp | 160.69%-147.3pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,594 | $3,659-56.4% | $4,879-67.3% | $4,126-61.4% |
| Admin fee / account holder | $818 | $5,217-84.3% | $6,733-87.8% | $5,650-85.5% |