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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 | $122,486 | $138,393-11.5% | $184,256-33.5% | $80,959+51.3% |
| Participation rate | 61.1% | 83.9%-22.8pp | 86.8%-25.7pp | 67.7%-6.6pp |
| Annual return | 11.78% | 20.01%-8.2pp | 28.85%-17.1pp | 35.67%-23.9pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,481 | $7,076-36.7% | $9,133-50.9% | $4,300+4.2% |
| Admin fee / account holder | $13,639 | $10,489+30.0% | $13,899-1.9% | $6,925+96.9% |