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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 | $62,856 | $51,207+22.7% | $70,565-10.9% | $75,177-16.4% |
| Participation rate | 45.5% | 61.0%-15.5pp | 68.4%-22.9pp | 67.2%-21.8pp |
| Annual return | 13.96% | 30.05%-16.1pp | 32.79%-18.8pp | 160.75%-146.8pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,914 | $2,850+2.3% | $4,568-36.2% | $4,126-29.4% |
| Admin fee / account holder | $21,858 | $4,097+433.5% | $6,430+239.9% | $5,651+286.8% |