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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 | $88,649 | $88,707-0.1% | $74,184+19.5% | $273,972-67.6% |
| Participation rate | 56.3% | 79.4%-23.2pp | 76.6%-20.4pp | 83.0%-26.8pp |
| Annual return | 139.35% | 11.94%+127.4pp | 17.74%+121.6pp | 41.46%+97.9pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $2,370-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,256 | $4,212+1.1% | $3,550+19.9% | $5,287-19.5% |
| Admin fee / account holder | $2,767 | $8,717-68.3% | $5,586-50.5% | $10,133-72.7% |