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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 | $47,131 | $105,200-55.2% | $159,474-70.4% | $85,847-45.1% |
| Participation rate | 58.1% | 75.8%-17.7pp | 82.8%-24.8pp | 69.3%-11.3pp |
| Annual return | 20.30% | 45.08%-24.8pp | 263.68%-243.4pp | 318.61%-298.3pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,252 | $5,946-45.3% | $7,353-55.8% | $3,952-17.7% |
| Admin fee / account holder | $1,581 | $6,934-77.2% | $10,802-85.4% | $6,261-74.8% |