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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 | $54,322 | $211,239-74.3% | $178,528-69.6% | $145,877-62.8% |
| Participation rate | 35.7% | 80.8%-45.1pp | 77.1%-41.4pp | 80.3%-44.6pp |
| Annual return | 12.76% | 30.22%-17.5pp | 27.11%-14.4pp | 551.28%-538.5pp |
| Employer contribution / active EE | $0 | $4,570-100.0% | $3,950-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,269 | $6,963-38.7% | $6,278-32.0% | $6,691-36.2% |
| Admin fee / account holder | $9,752 | $12,095-19.4% | $10,419-6.4% | $13,402-27.2% |