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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 | $96,860 | $124,425-22.2% | $112,040-13.5% | $137,256-29.4% |
| Participation rate | 0.0% | 79.3%-79.3pp | 76.5%-76.5pp | 80.0%-80.0pp |
| Annual return | 17.19% | 24.72%-7.5pp | 24.52%-7.3pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,976 | $3,411-42.1% | $2,954-33.1% | $4,156-52.4% |
| Participant deferral / active EE | $3,122 | $5,718-45.4% | $5,098-38.8% | $6,407-51.3% |
| Admin fee / account holder | $1,270 | $15,207-91.6% | $12,098-89.5% | $12,270-89.6% |