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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 | $84,690 | $86,940-2.6% | $102,434-17.3% | $80,935+4.6% |
| Participation rate | 45.3% | 72.4%-27.1pp | 76.5%-31.2pp | 67.7%-22.3pp |
| Annual return | 17.43% | 18.89%-1.5pp | 29.46%-12.0pp | 35.66%-18.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,914 | $4,121-53.6% | $5,055-62.1% | $4,299-55.5% |
| Admin fee / account holder | $5,323 | $8,047-33.9% | $9,462-43.7% | $6,924-23.1% |