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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 | $32,348 | $124,314-74.0% | $109,163-70.4% | $167,518-80.7% |
| Participation rate | 33.3% | 79.4%-46.1pp | 75.9%-42.5pp | 82.1%-48.8pp |
| Annual return | 11.01% | 26.04%-15.0pp | 25.75%-14.7pp | 478.71%-467.7pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $2,243 | $5,256-57.3% | $4,654-51.8% | $6,342-64.6% |
| Admin fee / account holder | $584 | $7,973-92.7% | $6,754-91.4% | $12,312-95.3% |