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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 | $45,588 | $43,730+4.2% | $121,220-62.4% | $64,173-29.0% |
| Participation rate | 69.2% | 58.3%+10.9pp | 71.8%-2.5pp | 69.6%-0.3pp |
| Annual return | -4.27% | 68.94%-73.2pp | 16.94%-21.2pp | 7.63%-11.9pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,294 | $2,281+44.4% | $3,345-1.5% | $3,470-5.1% |
| Admin fee / account holder | $2,296 | $3,502-34.5% | $5,021-54.3% | $4,887-53.0% |