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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 | $68,331 | $86,940-21.4% | $102,434-33.3% | $80,935-15.6% |
| Participation rate | 59.5% | 72.4%-12.9pp | 76.5%-17.0pp | 67.7%-8.2pp |
| Annual return | 22.72% | 18.89%+3.8pp | 29.46%-6.7pp | 35.66%-12.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,495 | $4,121-39.5% | $5,055-50.6% | $4,299-42.0% |
| Admin fee / account holder | $1,362 | $8,047-83.1% | $9,462-85.6% | $6,924-80.3% |