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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 | $55,960 | $95,406-41.3% | $185,849-69.9% | $85,847-34.8% |
| Participation rate | 41.7% | 68.8%-27.1pp | 81.7%-40.0pp | 69.3%-27.7pp |
| Annual return | 14.34% | 23.59%-9.2pp | 122.10%-107.8pp | 318.61%-304.3pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,103 | $3,424-9.4% | $5,569-44.3% | $3,952-21.5% |
| Admin fee / account holder | $56,432 | $7,214+682.2% | $16,244+247.4% | $6,261+801.4% |