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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 | $74,519 | $81,476-8.5% | $102,383-27.2% | $80,925-7.9% |
| Participation rate | 35.4% | 66.8%-31.4pp | 74.5%-39.1pp | 67.7%-32.2pp |
| Annual return | 16.15% | 25.59%-9.4pp | 24.94%-8.8pp | 35.65%-19.5pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,923 | $3,871-24.5% | $5,060-42.2% | $4,299-32.0% |
| Admin fee / account holder | $10,671 | $6,717+58.9% | $8,391+27.2% | $6,940+53.8% |