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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 | $100,279 | $95,404+5.1% | $113,397-11.6% | $82,637+21.3% |
| Participation rate | 47.5% | 72.8%-25.3pp | 76.5%-29.0pp | 68.1%-20.6pp |
| Annual return | 24.27% | 19.08%+5.2pp | 23.20%+1.1pp | 53.51%-29.2pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,066 | $4,220-51.0% | $5,076-59.3% | $4,126-49.9% |
| Admin fee / account holder | $7,117 | $9,168-22.4% | $11,957-40.5% | $7,339-3.0% |