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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 | $33,530 | $101,063-66.8% | $81,473-58.8% | $147,586-77.3% |
| Participation rate | 65.0% | 74.5%-9.5pp | 68.0%-3.0pp | 82.8%-17.8pp |
| Annual return | 14.33% | 32.41%-18.1pp | 38.78%-24.5pp | 578.59%-564.3pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,438 | $4,242+28.2% | $3,537+53.7% | $5,4390% |
| Admin fee / account holder | $1,161 | $5,812-80.0% | $4,561-74.5% | $10,886-89.3% |