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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 | $37,834 | $116,203-67.4% | $93,621-59.6% | $152,897-75.3% |
| Participation rate | 20.0% | 78.1%-58.1pp | 75.8%-55.8pp | 82.5%-62.5pp |
| Annual return | 27.55% | 35.96%-8.4pp | 32.76%-5.2pp | 345.43%-317.9pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,840 | $4,605+5.1% | $4,070+18.9% | $5,851-17.3% |
| Admin fee / account holder | $327 | $10,751-97.0% | $7,890-95.9% | $11,599-97.2% |