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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 | $38,943 | $86,288-54.9% | $111,306-65.0% | $85,851-54.6% |
| Participation rate | 55.9% | 73.3%-17.4pp | 77.3%-21.4pp | 69.3%-13.4pp |
| Annual return | 15.34% | 19.99%-4.6pp | 54.67%-39.3pp | 318.63%-303.3pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,357 | $3,641-7.8% | $4,488-25.2% | $3,952-15.1% |
| Admin fee / account holder | $8,763 | $8,189+7.0% | $7,966+10.0% | $6,261+40.0% |