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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 | $48,000 | $105,200-54.4% | $159,474-69.9% | $85,847-44.1% |
| Participation rate | 38.1% | 75.8%-37.7pp | 82.8%-44.7pp | 69.3%-31.2pp |
| Annual return | 17.16% | 45.08%-27.9pp | 263.68%-246.5pp | 318.61%-301.4pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,984 | $5,946-33.0% | $7,353-45.8% | $3,952+0.8% |
| Admin fee / account holder | $2,123 | $6,934-69.4% | $10,802-80.3% | $6,261-66.1% |