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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 | $36,568 | $98,776-63.0% | $149,745-75.6% | $79,856-54.2% |
| Participation rate | 33.3% | 75.8%-42.5pp | 82.5%-49.1pp | 69.6%-36.3pp |
| Annual return | 19.59% | 27.38%-7.8pp | 276.72%-257.1pp | 31.71%-12.1pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,165 | $5,681-44.3% | $6,843-53.7% | $3,741-15.4% |
| Admin fee / account holder | $2,807 | $6,053-53.6% | $9,312-69.9% | $5,306-47.1% |