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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 | $121,226 | $167,352-27.6% | $143,788-15.7% | $134,509-9.9% |
| Participation rate | 66.7% | 84.8%-18.1pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | 14.26% | 0.47%+13.8pp | -0.03%+14.3pp | 418.13%-403.9pp |
| Employer contribution / active EE | $0 | $5,620-100.0% | $4,952-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $16,833 | $6,447+161.1% | $5,638+198.6% | $6,400+163.0% |
| Admin fee / account holder | $42,277 | $18,091+133.7% | $14,675+188.1% | $11,427+270.0% |