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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 | $24,185 | $232,540-89.6% | $185,117-86.9% | $147,586-83.6% |
| Participation rate | 44.4% | 82.4%-37.9pp | 77.3%-32.8pp | 82.8%-38.4pp |
| Annual return | 9.33% | 43.03%-33.7pp | 40.50%-31.2pp | 578.59%-569.3pp |
| Employer contribution / active EE | $0 | $5,195-100.0% | $4,182-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $2,895 | $5,834-50.4% | $5,045-42.6% | $5,439-46.8% |
| Admin fee / account holder | $2,056 | $10,275-80.0% | $8,159-74.8% | $10,886-81.1% |