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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 | $136,860-29.2% | $120,344-19.5% | $154,746-37.4% |
| Participation rate | 0.0% | 79.9%-79.9pp | 76.7%-76.7pp | 80.7%-80.7pp |
| Annual return | 17.19% | 21.38%-4.2pp | 20.30%-3.1pp | 172.34%-155.1pp |
| Employer contribution / active EE | $1,976 | $3,533-44.1% | $3,020-34.6% | $4,379-54.9% |
| Participant deferral / active EE | $3,122 | $5,793-46.1% | $5,135-39.2% | $6,730-53.6% |
| Admin fee / account holder | $1,270 | $15,393-91.7% | $12,742-90.0% | $14,365-91.2% |