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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 | $37,699 | $106,247-64.5% | $96,515-60.9% | $139,466-73.0% |
| Participation rate | 57.1% | 77.8%-20.7pp | 74.3%-17.2pp | 80.3%-23.2pp |
| Annual return | 13.95% | 38.47%-24.5pp | 35.73%-21.8pp | 373.66%-359.7pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,297 | $5,456-57.9% | $4,880-52.9% | $6,712-65.8% |
| Admin fee / account holder | $516 | $7,885-93.5% | $6,735-92.3% | $11,409-95.5% |