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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 | $120,676 | $101,795+18.5% | $165,100-26.9% | $80,959+49.1% |
| Participation rate | 45.7% | 71.8%-26.1pp | 78.6%-32.9pp | 67.7%-22.0pp |
| Annual return | 21.70% | 16.73%+5.0pp | 70.21%-48.5pp | 35.67%-14.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,433 | $4,476-1.0% | $6,035-26.6% | $4,300+3.1% |
| Admin fee / account holder | $12,810 | $8,221+55.8% | $12,696+0.9% | $6,925+85.0% |