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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 | $41,253 | $87,878-53.1% | $97,411-57.7% | $82,637-50.1% |
| Participation rate | 57.1% | 75.6%-18.4pp | 80.4%-23.2pp | 68.1%-10.9pp |
| Annual return | 27.59% | 54.63%-27.0pp | 34.72%-7.1pp | 53.51%-25.9pp |
| Employer contribution / active EE | $0 | $3,800-100.0% | $4,210-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $9,992 | $5,525+80.8% | $5,886+69.8% | $4,126+142.2% |
| Admin fee / account holder | $4,347 | $6,743-35.5% | $7,145-39.2% | $7,339-40.8% |