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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 | $57,425 | $58,523-1.9% | $99,475-42.3% | $72,975-21.3% |
| Participation rate | 0.0% | 64.6%-64.6pp | 73.8%-73.8pp | 69.5%-69.5pp |
| Annual return | 19.67% | 28.51%-8.8pp | 30.72%-11.0pp | 81.01%-61.3pp |
| Employer contribution / active EE | $385 | $1,512-74.6% | $2,540-84.9% | $2,440-84.2% |
| Participant deferral / active EE | $2,586 | $2,606-0.8% | $3,619-28.5% | $3,608-28.3% |
| Admin fee / account holder | $8,533 | $4,102+108.0% | $6,252+36.5% | $5,124+66.5% |