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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 | $32,002 | $124,330-74.3% | $109,173-70.7% | $167,536-80.9% |
| Participation rate | 60.0% | 79.5%-19.5pp | 75.9%-15.9pp | 82.1%-22.1pp |
| Annual return | 14.26% | 26.04%-11.8pp | 25.75%-11.5pp | 478.82%-464.6pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $9,535 | $5,256+81.4% | $4,654+104.9% | $6,342+50.3% |
| Admin fee / account holder | $6,564 | $7,974-17.7% | $6,755-2.8% | $12,315-46.7% |