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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 | $47,230 | $84,236-43.9% | $170,435-72.3% | $70,126-32.6% |
| Participation rate | 21.6% | 70.8%-49.2pp | 83.6%-62.0pp | 69.5%-47.9pp |
| Annual return | 15.23% | 23.06%-7.8pp | 205.94%-190.7pp | 73.15%-57.9pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,774 | $3,086-42.5% | $4,939-64.1% | $3,332-46.8% |
| Admin fee / account holder | $806 | $5,698-85.9% | $13,881-94.2% | $4,645-82.7% |