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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 | $81,567 | $98,776-17.4% | $149,745-45.5% | $79,856+2.1% |
| Participation rate | 36.1% | 75.8%-39.7pp | 82.5%-46.4pp | 69.6%-33.5pp |
| Annual return | 17.03% | 27.38%-10.3pp | 276.72%-259.7pp | 31.71%-14.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,771 | $5,681-33.6% | $6,843-44.9% | $3,741+0.8% |
| Admin fee / account holder | $15,391 | $6,053+154.3% | $9,312+65.3% | $5,306+190.1% |