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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 | $97,320 | $95,406+2.0% | $185,849-47.6% | $85,847+13.4% |
| Participation rate | 56.3% | 68.8%-12.5pp | 81.7%-25.5pp | 69.3%-13.1pp |
| Annual return | 12.99% | 23.59%-10.6pp | 122.10%-109.1pp | 318.61%-305.6pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,662 | $3,424+7.0% | $5,569-34.2% | $3,952-7.3% |
| Admin fee / account holder | $448 | $7,214-93.8% | $16,244-97.2% | $6,261-92.8% |