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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 | $27,489 | $115,911-76.3% | $100,530-72.7% | $158,950-82.7% |
| Participation rate | 50.0% | 81.6%-31.6pp | 79.4%-29.4pp | 82.0%-32.0pp |
| Annual return | 25.30% | 34.80%-9.5pp | 30.89%-5.6pp | 302.91%-277.6pp |
| Employer contribution / active EE | $0 | $4,104-100.0% | $3,418-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $6,543 | $6,676-2.0% | $6,271+4.3% | $5,983+9.4% |
| Admin fee / account holder | $4,312 | $10,999-60.8% | $8,083-46.7% | $11,248-61.7% |