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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 | $37,446 | $165,399-77.4% | $149,745-75.0% | $158,982-76.4% |
| Participation rate | 26.7% | 84.6%-57.9pp | 82.5%-55.8pp | 82.0%-55.3pp |
| Annual return | 12.47% | 348.34%-335.9pp | 276.72%-264.3pp | 302.99%-290.5pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,295 | $7,183-40.2% | $6,843-37.2% | $5,983-28.2% |
| Admin fee / account holder | $615 | $10,811-94.3% | $9,312-93.4% | $11,252-94.5% |