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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 | $89,880 | $93,345-3.7% | $119,126-24.6% | $87,485+2.7% |
| Participation rate | 34.1% | 68.7%-34.6pp | 75.8%-41.7pp | 68.9%-34.8pp |
| Annual return | 14.40% | 19.08%-4.7pp | 282.11%-267.7pp | 26.06%-11.7pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,504 | $4,099-38.9% | $5,318-52.9% | $4,274-41.4% |
| Admin fee / account holder | $2,313 | $8,039-71.2% | $10,693-78.4% | $7,775-70.2% |