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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 | $43,024 | $77,816-44.7% | $123,549-65.2% | $64,181-33.0% |
| Participation rate | 0.0% | 74.7%-74.7pp | 82.3%-82.3pp | 69.6%-69.6pp |
| Annual return | -5.24% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $2,651 | $3,014-12.1% | $4,628-42.7% | $2,381+11.3% |
| Participant deferral / active EE | $5,213 | $5,240-0.5% | $6,426-18.9% | $3,470+50.3% |
| Admin fee / account holder | $6,211 | $5,519+12.5% | $9,284-33.1% | $4,887+27.1% |