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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 | $122,350 | $78,015+56.8% | $178,505-31.5% | $80,959+51.1% |
| Participation rate | 67.3% | 65.7%+1.6pp | 77.1%-9.8pp | 67.7%-0.4pp |
| Annual return | 13.81% | 18.10%-4.3pp | 27.16%-13.3pp | 35.67%-21.9pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,563 | $4,406-19.1% | $6,280-43.3% | $4,300-17.2% |
| Admin fee / account holder | $28,745 | $7,160+301.4% | $10,428+175.7% | $6,925+315.1% |