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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 | $39,926 | $98,766-59.6% | $149,730-73.3% | $79,852-50.0% |
| Participation rate | 51.6% | 75.8%-24.2pp | 82.5%-30.9pp | 69.6%-18.0pp |
| Annual return | 17.96% | 27.43%-9.5pp | 276.70%-258.7pp | 31.72%-13.8pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,912 | $5,681-48.7% | $6,843-57.4% | $3,740-22.1% |
| Admin fee / account holder | $2,287 | $6,052-62.2% | $9,310-75.4% | $5,306-56.9% |