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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 | $167,415-42.1% | $140,514-31.1% | $198,609-51.2% |
| Participation rate | 0.0% | 80.9%-80.9pp | 77.8%-77.8pp | 82.4%-82.4pp |
| Annual return | 17.19% | 13.85%+3.3pp | 14.36%+2.8pp | 202.70%-185.5pp |
| Employer contribution / active EE | $1,976 | $4,088-51.6% | $3,378-41.5% | $5,055-60.9% |
| Participant deferral / active EE | $3,122 | $5,579-44.0% | $4,919-36.5% | $6,977-55.3% |
| Admin fee / account holder | $1,270 | $16,730-92.4% | $13,697-90.7% | $19,030-93.3% |