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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 | $10,542 | $77,905-86.5% | $149,682-93.0% | $75,173-86.0% |
| Participation rate | 40.0% | 65.6%-25.6pp | 78.8%-38.8pp | 67.2%-27.2pp |
| Annual return | 16.06% | 31.72%-15.7pp | 134.35%-118.3pp | 160.65%-144.6pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,818-100.0% | $2,670-100.0% |
| Participant deferral / active EE | $1,044 | $3,411-69.4% | $5,681-81.6% | $4,126-74.7% |
| Admin fee / account holder | $962 | $5,957-83.9% | $13,210-92.7% | $5,651-83.0% |