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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 | $76,351 | $118,496-35.6% | $98,461-22.5% | $139,466-45.3% |
| Participation rate | 66.7% | 77.5%-10.8pp | 75.2%-8.5pp | 80.3%-13.7pp |
| Annual return | 16.93% | 18.96%-2.0pp | 21.17%-4.2pp | 373.66%-356.7pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $3,476 | $5,393-35.5% | $4,738-26.6% | $6,712-48.2% |
| Admin fee / account holder | $1,110 | $14,056-92.1% | $8,961-87.6% | $11,409-90.3% |