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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 | $60,905 | $78,694-22.6% | $67,653-10.0% | $125,388-51.4% |
| Participation rate | 41.7% | 78.8%-37.1pp | 75.7%-34.0pp | 83.2%-41.5pp |
| Annual return | 1.32% | 9.46%-8.1pp | 6625.22%-6623.9pp | 282.24%-280.9pp |
| Employer contribution / active EE | $0 | $3,044-100.0% | $2,266-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,787 | $4,292-11.8% | $3,560+6.4% | $5,352-29.2% |
| Admin fee / account holder | $6,600 | $7,403-10.8% | $4,821+36.9% | $9,541-30.8% |