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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 | $59,145 | $98,776-40.1% | $149,745-60.5% | $79,856-25.9% |
| Participation rate | 67.8% | 75.8%-8.0pp | 82.5%-14.7pp | 69.6%-1.8pp |
| Annual return | 27.57% | 27.38%+0.2pp | 276.72%-249.2pp | 31.71%-4.1pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,348 | $5,681-23.5% | $6,843-36.5% | $3,741+16.2% |
| Admin fee / account holder | $313 | $6,053-94.8% | $9,312-96.6% | $5,306-94.1% |