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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 | $96,233-57.1% | $137,474-70.0% | $94,015-56.1% |
| Participation rate | 57.1% | 78.3%-21.2pp | 83.5%-26.4pp | 70.8%-13.7pp |
| Annual return | 27.59% | 16.05%+11.5pp | 11.53%+16.1pp | 17.84%+9.7pp |
| Employer contribution / active EE | $0 | $3,713-100.0% | $5,048-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $9,992 | $5,018+99.1% | $6,155+62.3% | $4,249+135.1% |
| Admin fee / account holder | $4,347 | $7,029-38.2% | $10,602-59.0% | $8,951-51.4% |