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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 | $19,906 | $118,488-83.2% | $98,462-79.8% | $139,487-85.7% |
| Participation rate | 40.0% | 77.5%-37.5pp | 75.2%-35.2pp | 80.3%-40.3pp |
| Annual return | 16.39% | 18.96%-2.6pp | 21.17%-4.8pp | 373.84%-357.5pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,491 | $5,393-72.3% | $4,738-68.5% | $6,713-77.8% |
| Admin fee / account holder | $336 | $13,868-97.6% | $8,875-96.2% | $11,407-97.1% |