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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 | $45,894 | $36,140+27.0% | $73,658-37.7% | $64,340-28.7% |
| Participation rate | 9.3% | 31.0%-21.7pp | 57.0%-47.7pp | 55.2%-45.9pp |
| Annual return | 16.35% | 21.48%-5.1pp | 29.72%-13.4pp | 24.14%-7.8pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $899 | $1,023-12.1% | $2,062-56.4% | $2,980-69.8% |
| Admin fee / account holder | $3,300 | $2,513+31.3% | $3,357-1.7% | $3,703-10.9% |