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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 | $70,049 | $81,358-13.9% | $155,556-55.0% | $80,959-13.5% |
| Participation rate | 38.8% | 66.3%-27.5pp | 78.2%-39.4pp | 67.7%-28.9pp |
| Annual return | 12.08% | 33.39%-21.3pp | 64.84%-52.8pp | 35.67%-23.6pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,012 | $3,455-12.8% | $5,631-46.5% | $4,300-30.0% |
| Admin fee / account holder | $1,218 | $7,994-84.8% | $15,885-92.3% | $6,925-82.4% |