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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 | $39,920 | $63,082-36.7% | $81,726-51.2% | $79,856-50.0% |
| Participation rate | 52.3% | 67.5%-15.2pp | 72.0%-19.7pp | 69.6%-17.3pp |
| Annual return | 13.78% | 22.66%-8.9pp | 29.49%-15.7pp | 31.71%-17.9pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,834 | $2,780-34.0% | $7,108-74.2% | $3,741-51.0% |
| Admin fee / account holder | $450 | $4,428-89.8% | $5,160-91.3% | $5,306-91.5% |