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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 | $124,308 | $153,769-19.2% | $133,975-7.2% | $273,972-54.6% |
| Participation rate | 64.7% | 88.4%-23.7pp | 87.1%-22.4pp | 83.0%-18.3pp |
| Annual return | 0.00% | 36.51%-36.5pp | 29.29%-29.3pp | 41.46%-41.5pp |
| Employer contribution / active EE | $0 | $6,029-100.0% | $5,211-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $10,021 | $6,958+44.0% | $6,282+59.5% | $5,287+89.5% |
| Admin fee / account holder | $24,896 | $11,765+111.6% | $9,324+167.0% | $10,133+145.7% |