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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 | $30,394 | $127,296-76.1% | $109,907-72.3% | $167,536-81.9% |
| Participation rate | 61.5% | 77.9%-16.3pp | 74.2%-12.7pp | 82.1%-20.6pp |
| Annual return | 16.27% | 22.97%-6.7pp | 29.46%-13.2pp | 478.82%-462.5pp |
| Employer contribution / active EE | $0 | $3,325-100.0% | $2,844-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $1,975 | $4,513-56.2% | $4,047-51.2% | $6,342-68.9% |
| Admin fee / account holder | $865 | $7,119-87.8% | $6,069-85.7% | $12,315-93.0% |