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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 | $146,042 | $91,037+60.4% | $71,671+103.8% | $147,586-1.0% |
| Participation rate | 35.3% | 76.1%-40.8pp | 68.7%-33.5pp | 82.8%-47.5pp |
| Annual return | 19.43% | 20.48%-1.0pp | 20.65%-1.2pp | 578.59%-559.2pp |
| Employer contribution / active EE | $0 | $3,327-100.0% | $2,460-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,768 | $4,498-60.7% | $3,438-48.6% | $5,439-67.5% |
| Admin fee / account holder | $831 | $8,613-90.4% | $5,558-85.1% | $10,886-92.4% |