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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 | $52,116 | $85,060-38.7% | $70,548-26.1% | $139,456-62.6% |
| Participation rate | 38.5% | 73.9%-35.4pp | 68.3%-29.9pp | 80.3%-41.9pp |
| Annual return | 18.27% | 30.38%-12.1pp | 32.78%-14.5pp | 373.45%-355.2pp |
| Employer contribution / active EE | $0 | $3,911-100.0% | $2,975-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,393 | $5,890-76.3% | $4,567-69.5% | $6,711-79.2% |
| Admin fee / account holder | $518 | $8,925-94.2% | $6,424-91.9% | $11,407-95.5% |