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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 | $87,938 | $124,351-29.3% | $109,188-19.5% | $167,553-47.5% |
| Participation rate | 66.7% | 79.4%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 13.62% | 26.04%-12.4pp | 25.76%-12.1pp | 478.89%-465.3pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,642 | $5,257-30.7% | $4,654-21.7% | $6,343-42.6% |
| Admin fee / account holder | $596 | $7,975-92.5% | $6,755-91.2% | $12,316-95.2% |