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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 | $69,991 | $83,337-16.0% | $67,834+3.2% | $273,972-74.5% |
| Participation rate | 66.7% | 76.4%-9.8pp | 68.8%-2.1pp | 83.0%-16.3pp |
| Annual return | 5.85% | 259.45%-253.6pp | 138.47%-132.6pp | 41.46%-35.6pp |
| Employer contribution / active EE | $0 | $3,287-100.0% | $2,403-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,338 | $4,088-42.8% | $3,160-26.0% | $5,287-55.8% |
| Admin fee / account holder | $1,008 | $6,752-85.1% | $4,622-78.2% | $10,133-90.1% |