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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 | $126,298 | $101,795+24.1% | $165,100-23.5% | $80,959+56.0% |
| Participation rate | 58.3% | 71.8%-13.5pp | 78.6%-20.3pp | 67.7%-9.3pp |
| Annual return | 13.28% | 16.73%-3.4pp | 70.21%-56.9pp | 35.67%-22.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,711 | $4,476+27.6% | $6,035-5.4% | $4,300+32.8% |
| Admin fee / account holder | $2,821 | $8,221-65.7% | $12,696-77.8% | $6,925-59.3% |