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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 | $34,507 | $85,169-59.5% | $172,755-80.0% | $72,983-52.7% |
| Participation rate | 68.4% | 70.1%-1.6pp | 82.6%-14.2pp | 69.5%-1.1pp |
| Annual return | 16.82% | 27.32%-10.5pp | 802.94%-786.1pp | 81.01%-64.2pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $989 | $3,260-69.6% | $5,198-81.0% | $3,608-72.6% |
| Admin fee / account holder | $3,285 | $5,880-44.1% | $13,955-76.5% | $5,124-35.9% |