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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 | $30,567 | $50,972-40.0% | $88,632-65.5% | $72,976-58.1% |
| Participation rate | 55.3% | 63.4%-8.1pp | 68.8%-13.4pp | 69.5%-14.2pp |
| Annual return | 17.44% | 29.62%-12.2pp | 43.75%-26.3pp | 81.02%-63.6pp |
| Employer contribution / active EE | $0 | $1,475-100.0% | $2,101-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,524 | $2,230-31.7% | $2,917-47.7% | $3,608-57.8% |
| Admin fee / account holder | $495 | $3,230-84.7% | $4,308-88.5% | $5,124-90.3% |