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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 | $20,938 | $84,236-75.1% | $170,435-87.7% | $70,126-70.1% |
| Participation rate | 45.0% | 70.8%-25.8pp | 83.6%-38.6pp | 69.5%-24.5pp |
| Annual return | 14.72% | 23.06%-8.3pp | 205.94%-191.2pp | 73.15%-58.4pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,861 | $3,086-39.7% | $4,939-62.3% | $3,332-44.1% |
| Admin fee / account holder | $868 | $5,698-84.8% | $13,881-93.7% | $4,645-81.3% |