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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 | $47,764 | $57,165-16.4% | - | $125,388-61.9% |
| Participation rate | 57.1% | 73.3%-16.1pp | - | 83.2%-26.0pp |
| Annual return | 0.00% | 36.23%-36.2pp | - | 282.24%-282.2pp |
| Employer contribution / active EE | $2,453 | $3,571-31.3% | - | $4,866-49.6% |
| Participant deferral / active EE | $3,825 | $3,322+15.2% | - | $5,352-28.5% |
| Admin fee / account holder | $15,136 | $2,996+405.3% | - | $9,541+58.6% |