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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 | $58,446 | $106,280-45.0% | $96,538-39.5% | $139,487-58.1% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 15.80% | 38.48%-22.7pp | 35.74%-19.9pp | 373.84%-358.0pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,014 | $5,457-63.1% | $4,880-58.7% | $6,713-70.0% |
| Admin fee / account holder | $352 | $7,888-95.5% | $6,737-94.8% | $11,407-96.9% |