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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 | $87,597 | $181,896-51.8% | $156,551-44.0% | $273,972-68.0% |
| Participation rate | 42.9% | 88.4%-45.5pp | 84.0%-41.2pp | 83.0%-40.2pp |
| Annual return | 6.19% | 30.74%-24.6pp | 32.23%-26.0pp | 41.46%-35.3pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,588 | $5,550-53.4% | $4,871-46.9% | $5,287-51.0% |
| Admin fee / account holder | $11,028 | $15,560-29.1% | $13,028-15.4% | $10,133+8.8% |