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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 | $46,367 | $139,948-66.9% | $121,663-61.9% | $154,746-70.0% |
| Participation rate | 62.5% | 78.0%-15.5pp | 74.5%-12.0pp | 80.7%-18.2pp |
| Annual return | 11.72% | 230.52%-218.8pp | 147.54%-135.8pp | 172.34%-160.6pp |
| Employer contribution / active EE | $0 | $3,521-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,178 | $5,629-61.3% | $4,887-55.4% | $6,730-67.6% |
| Admin fee / account holder | $396 | $17,321-97.7% | $14,289-97.2% | $14,365-97.2% |